Against The Background Of Comprehensive Risk Prevention And Control Research On The Problems Of Municipal Agency Of Banking Supervisionin

With the rapid development of financial internationalization,globalization as well as the fast-growing of science and technology,financial market has developed rapidly,financial innovation has emerged constantly,competition has become increasingly fierce,risks have increased significantly,and financial crises have risen one after another.In China,the banking assets account for more than 90% of the total financial assets.The stable operation of the banking industry and the safety of the banking system greatly affect economic growth and social stability.The CBRC is the supervisory department of domestic banking financial institutions,and has set up a three-level supervisory system at provincial,municipal and county levels throughout the country,responsible for the corresponding levels of banking supervision,these departments collectively known as local offices.Among them,the dispatched offices of prefectural and municipal banking regulatory systems(CBRC sub-bureaus)supervise more than 85% of the banking financial institutions and more than two-thirds of the financial assets in China,and bear great regulatory pressure.Under the influence of domestic economic restructuring and financial deleveraging,the risk of banking system accumulation is increasing.Therefore,active and effective measures is necessary to continuously optimize the regional banking supervision system and improve the effectiveness of banking supervision.This paper briefly described the relevant banking supervision theories both in domestic and abroad,reviewed and commented on the development process and supervision content of the local banking supervision system in the United States,combining with domestic reality,attempt to find out ways to help local banking supervision institutions improve supervision efficiency.At the same time,System construction and system construction are the bottleneck of current banking supervision mainly focusing on the system construction area,such as the drawbacks of the existing organizational structure and operation mechanism,the lack of joint supervision,inefficient supervision information system and information sharing mechanism,and imperfect information disclosure system.Finally,this paper draw lessons from the experience of developed countries in banking supervision practice,and combined with the actual situation of banking supervision in China,put forward specific countermeasures and suggestions to optimize the banking supervision system and improve the effectiveness of banking supervision,mainly including innovating the banking supervision system,improving the banking risk supervision mechanism,andoptimizing the supervision methods and process,and establish risk-centered assessment mechanism of banking supervision.