Research On The Financial Regulatory Of Commercial Banks In China By The CBRC

In our country,the assets of commercial Banks account for more than 90%of the financial industry's assets,which is an important part of our financial system.Strengthening the financial supervision of commercial Banks can not only maintain the stable and healthy development of financial market,but also have very important practical significance for the reform and optimization of the whole financial system.As the most important regulator of China's commercial Banks,the CBRC plays an important role in financial regulation,on the one hand,it can ensure the smooth operation of commercial Banks,on the other hand,it can effectively protect the vital interests of depositors and financial consumers.However,it can be seen from the large number of risk events in recent years that there are still deficiencies in the implementation of effective financial supervision by the CBRC.In recent years,with the acceleration of economic globalization,although China still has some restrictions on access to financial markets,the trend of financial globalization is difficult to change.At the same time,with the rapid development of science and technology,the financial product innovation with each passing day,at the same time,the current our country commercial bank basic in the mixed management state,in order to achieve effective financial regulation to increase a lot of difficulties.Therefore,how to further strengthen the financial regulation of commercial Banks becomes particularly important.Experts and scholars at home and abroad have studied the financial regulation of commercial Banks from various angles and put forward different regulatory opinions.At present the China banking regulatory commission for financial regulation of commercial Banks in China is very necessary,on the one hand,commercial Banks own existence potential risks,including:credit risk,liquidity risk,market risk,operational risk,etc.,on the other hand through regulation can,maintain financial market confidence,protect the interests of all parties,maintain the fair competition of the banking industry.At present the China banking regulatory commission,of course,financial regulation,also has certain problem,mainly includes:financial regulation law is not perfect,regulatory means falls behind,regulatory system is still not perfect,the commercial bank information disclosure is still inadequate.In view of the existing problems,the reasons are analyzed,including the reasons of CBRC and commercial Banks,as well as the influence of external market environment.By the office of the comptroller of the currency of the successful practices and experience for reference,put forward the optimization of our country commercial bank financial regulation of several paths,including:change regulation concept,improve the methods of supervision,strengthen market power,etc.,hoping to raise the effectiveness of the banking regulatory commission to our country commercial bank financial supervision,safeguard China's commercial Banks to the steady operation.