Research On The Government Supervision Of Our Commercial Banks In Reputation Risk

The commercial banks is the market subject of credit management,and the good reputation based on market trust is the necessary condition for its sustainable development.The banking industry is the lifeblood of China's economy and finance,and reputation risk is one of the most important risks faced by the banking industry.The implementation of reputation risk regulation is an important part of maintaining China's financial stability and sustainable economic development,as well as an important measure to protect the rights and interests of financial consumers.In recent years,China's commercial banks has developed rapidly and its international financial status has been constantly improved;at the same time,China's public opinion is increasingly open,diversified and complicated,which greatly increases the uncontrollable and destructive reputation risk.However,for China,the reputation risk supervision of the commercial banks is still a frontier issue,which lacks relevant theoretical basis,perfect organizational management structure and scientific management tools.Facing the fierce competition environment at home and abroad and the public opinion reform caused by We-Media,the reputation risk supervision of China's commercial banks is quite challenging.Firstly,this paper expounds the theory of reputation risk by consulting relevant literature,introduces the research background,significance and domestic and foreign research status,and starts from the relevant concepts of reputation risk.This paper analyzes the causes and characteristics of reputation risk and its correlation with other risks,and briefly introduces stakeholder theory,public interest theory and financial supervision theory to lay a theoretical foundation.At the same time,it points out the necessity of reputation risk supervision by analyzing the public attribute of commercial banks' reputation,the imperfect competition of commercial banks,the externalities of reputation risk and the change of the public opinion communication environment.Secondly,the current situation of reputation risk supervision in China's commercial banks is sorted out,and the current achievements are summarized.It points out that the reputation risk supervision system needs to be improved,the regulatoryobjectives,methods and standards are not clear,the lack of systematic and practical regulatory means,and the methodological exploration is limited.Finally,by analyzing the contrast to the more advanced and mature several banking reputation risk regulatory model,combining the reality of reputation risk in commercial banks supervision,on deepening banking reputation risk supervision idea and improve the reputation risk supervision system,clear reputation risk regulatory elements,rich reputation risk regulatory means concrete countermeasures are put forward.