The Research On Financial Supervision Problems And Countermeasures Of Xilin Gol League

Along with the constant deepen of our national rapid economic development and financial reform,for the past few years,the financial industries of the Xiliguole League are booming,all major banks and insurance company enters the Xiliguole League one after an other,financing institutions such as micro-loan companies,financial bonding companies and pawnbrokers successively established,provided powerful supports for substantial economy,promoted the development of the Xiliguole League.However,the new-type local financing institutions started late,smaller size,and mingles with all kinds of folk investment and financing behaviors,on account of a series of problems such as weak supervise strength,the imperfection of supervision system,insufficient of supervisory measures and legal grounds,makes the Xiliguole League has too many problems to deal with in the financial regulation practices,easily trigger the local financial risks,destroy the local financial order and stabilization.Therefore,in the progress of guarantee the Xiliguole League to maintain smooth and steady development,how to adjust and optimize through aspects of supervision system,mechanism,and legislation,ensure the nonoccurrence of regional systematic financial risks,preserve the race regional social stability,becomes a matter that worth attention and worth solving.This article is basing on the research of domestic and overseas financial regulation theories,comprehensively apply the public administration and other subjective theories and research methods,on the basis of straighten out the financial regulation development history of the Xiliguole League,sort out the situations including the financial supervision system,supervisory measure and method and supervisory results,elaborated the 6 prominent problem aspects such as the financial regulation mismatching subjective and objective bodies,local governmental financial regulation gist insufficient,local governmental supervision department's lack of capacity,local financial supervisory lack of efficiency,lack of importance attachment for financial consumer protection and three existing types of hidden dangers,and analyse the factors of the problems above corresponding from five aspects such as system,legislation,mode,measure consumption environment,by mirror and analyze the domestic and overseas financial supervisory practical experiences,proposed the countermeasure and suggestion for complete the local financial regulations.Study the reform of financial system that reckoned requires for quicken,explicitly the central land hierarchical financing supervisory boundary,perfect the local financial supervising subject;in the meanwhile of quicken the construction of local financial supervisory system and establish and perfecting the relevant laws,shall reinforce the law enforcement authorization;and perfect the local financial supervision mechanism from aspects as enrich local financial regulator's talent team,reinforce the coordination and cooperation of the financial supervision department,and establish local financial risk prevention and disposition solution working mechanism;simultaneously point out the traditional supervision measures that shall be intensify,innovate supervisory measure,and explore for the changes of financial supervision method while reinforcing the local financial supervision measures;this article simultaneously brings the financial service environment optimization into the the countermeasure and suggestion,suggested the financial products can enhance the current financing institution coverage,and conform to agro-pastoralists and micro-enterprises,enhance the small policies support strength for financial rural support,reinforce the cultivation publicity strength,unblocked the financial property complaint channel.