Study On Government Regulation Of Commercial Banks

As we all know,banking belongs to finance,which is the core of modern economic development.In 2007,the occurrence of “Sub prime mortgage crisis ”led to widespread liquidity shortage in the global financial market,and Banks,investment Banks,insurance giants and other developed economies that had dominated the world's financial system were greatly affected.Since then,countries around the world have been actively thinking about how to effectively regulate commercial Banks to cope with the new economic situation and technological development.In China,commercial Banks are supervised by the China Banking Regulatory Commission,the People's Bank of China and other government agencies.These government regulatory agencies are the regulatory agencies with strong administrative colors formed to meet the needs of improving the development of the banking industry.This paper first takes western commercial bank countries with relatively developed regulatory system as an example,conducts a targeted comprehensive analysis from its regulatory theory,development history,regulatory organization system and other dimensions,and summarizes the future development trend of bank regulation.Then,through a specific analysis of China's commercial bank supervision theory and its development process,the China Banking and Insurance Regulatory Commission(CBRC)and China Insurance Regulatory Commission(CIRC)were established based on the "two sessions" of China's one Committee and two committees.The People's Bank of China,silver circ,financial stability board,called the "the committee a line two sessions")of the commercial banking supervision system,selection of neijiang,for example,by studying the status quo of the commercial bank regulation within its jurisdiction,analyze the existing problems and reasons,which lead to the current situation of government regulation in the commercial bank in our country and the remaining problems.In short,this paper mainly summarizes the following problems: First,China has not formed a perfect regulatory system;Secondly,the regulatory environment of commercial Banks in China needs to be further optimized.The third is that the current market constraint mechanism can not really play a role;Finally,the existing bank supervision content,the focus of supervision are insufficient.Finally,through the analysis of the above,based on the actual situation of China's government supervision of commercial Banks,further put forwardSuggestions and countermeasures to improve the supervision of commercial Banks.The proposed measures briefly include the following: First,to build a macro-environment conducive to supervision and coordinate effective supervision;Secondly,improve the supervision institution system of commercial Banks,improve the corresponding legal system and deepen the construction of rule of law;Finally,in order to fit the development status of domestic commercial Banks,it is necessary to improve the supervision methods and contents.By putting forward some Suggestions and countermeasures,it is hoped that China's commercial Banks can develop steadily and healthily in the international financial environment and make a contribution to improving the efficiency of China's government supervision of commercial Banks.