Research On The Penetration Supervision Of Credit-operation-like Business In Commercial Bank

In 2015,a commercial bank was punished by the regulatory authorities for a case of illegal credit-operation-like business.The complicated and lengthy trading process of credit-operation-like business began to emerge.In recent years,China’s financial industry has developed rapidly.Credit-operation-like business has been brutal growth in China,and has spread up.It has become a significant part of financial institutions’ profit contribution point.Among them,legal risk,credit risk,liquidity risk and cross financial risk are covered by short-term interests.All kinds of risks above are interwoven,concentrated and reach high,which may even cause systemic risk in financial industry.However for a long time,China’s financial industry regulation has been implemented by CBRC,CSRC and CIRC respectively corresponding to the banking,securities and insurance regulatory pattern,this pattern in the mixed financial sector deepening trend is bloated,asset-management business supervision form vacuum.With the literature research method,this article introduces the origin of the penetrating supervision theory.To explain the penetrating supervision connotation,this article analyzes from the angles of function and behavior supervision.Extending the significance of penetrating supervision implemented on credit-operation-like business in commercial banks and enumerating the practice of penetrating supervision in domestic and international scope.Via the case analysis method,this article analyzes the credit-operation-like business administrative penalty cases of commercial bank through the perspective of penetrating supervision.Penetrating the transaction structure,transaction subject,business risk and asset standard,further applying the case analysis to the whole category of credit-operation-like business.This article enumerates the effects of regulatory policies and measures in recent years.Pointing at the reasons for the weakness of regulatory effect,this paper uses systematic analysis to put forward penetrating supervision proposal under the existing regulatory and puts forward long term conception of establishing a regulatory system for credit-operation-like business in commercial banks.Under the current regulatory system,puts forward the coordination of micro prudential supervision and macro prudential functions,the credit-operation-like product registration information sharing,the establishment of "macro prudential management + broad monetary policy" comprehensive risk management system,clear credit-operation-like business specific attributes,penetrating the underlying assets and the final investors,accounting through the overall level of leverage and perfect to penetrating supervision system,strengthen the financial infrastructure construction,the establishment of asset-management products statistical monitoring framework,expand the provision and allocation of various types of risk capital penetration regulatory proposals.Even so,it is still impossible to solve the essential issue of supervision after the event.To fully understand the great influence of the current financial technology in financial institutions and financial markets,to construct the supervision system for credit-operation-like business of commercial banks based on the block chain technology,make full use of the block chain technology features which including decentration,openness,without human-trust,non-tamperability,anonymity,to solve business on credit,real information disclosure,source of capital not clear,unaccounted for difficult problems such as credit-operation-like effectively.And on this basis,further proposed the establishment of the financial sector block chain standard system,accelerate the construction of general platform and pilot application,promote the application of prudent,combining the supervision of block chain and under chain four tips thought,intended to promote the block chain technology as soon as possible,and should be fully used for credit-operation-like business through supervision.Based on block chain,the penetrating supervision system of commercial bank asset-management business will also be developed along with new financial business form.It will be clearer that the essence to promote free circulation of capital.