Supply-side Reform Of Credit Risk Supervision Of Commercial Banks

Strengthening financial supervision and controlling the credit risks of commercial Banks are important guarantees for the healthy and stable operation of the financial system.Since China's economic development entered the new normal,the supply side structural reform has become the basic path of the economical work.Adapting the demands of the times of economic development,it is a new topic which the commercial bank high grade development faces to study the supervision of credit risk taking the supply-side structural reform as the angle of view.This paper takes the supply-side reform of credit risk supervision of commercial banks as the research object and systematically combs the existing research concerning credit risk supervision of commercial banks in domestic and abroad.Using the principal component analysis and gray forecast model,the thesis assesses supervision effectiveness and makes an empirical analysis and mechanism search for the problems existing in the supply side of the credit risk supervision of commercial banks in China.Researchers found that the problems existed in credit risk supervision of commercial banks through the study are that the supervision work lags behind,the supervision method is outdated,the supervision relationship is maladjusted and the supervision is merely formal.The root cause lies in the imperfect supervision policy and legal system,incomplete supervision system and mechanism,inconsistent supervision work,and mismatch between posts and personnel.The study shows that the supply-side reform of credit risk supervision of commercial banks should imply the new development concept,regulate supply according to supervision demand,promote the iteration and upgrading of credit supply,complete the risk supervision system and risk control system,establish a flexible and effective coordination and supervision mechanism,do a good job in talent training plan,and improve the quality and efficiency of the supervising and managing supplies system.This paper is divided into six parts: The first part is the introduction.This part discusses the selected topic background and the selected topic significance of this paper,summarizes existing domestic and foreign studies,constructs the research contents and research methods of this paper.In the second part,it illustrates the related definitions and basic theories.This part narrates and defines the basic concepts and basic theories of supply-side structural reform and credit risk supervision of commercial banks;the third part describes the review of the status of credit risk supervision of commercial banks in China.It describes the existing situation and the evolution of credit risk supervision of commercial banks in China comprehensively;the fourth part contains the empirical study on credit risk supervision of commercial banks.It takes Shanghai Pudong Development Bank as an example to conduct an empirical analysis on credit risk supervision of commercial banks;the fifth part discusses problems and causes of credit risk supervising supply system.This part diagnoses and analyzes the problems existing in the supply side of credit risk supervision and explores the source of the problem deeply;the sixth part provides the basic policy of the supply-side reform of credit risk supervision of commercial banks.It explores from the two directions of the top-level design and the exploration of the basic and puts forward the policies and countermeasures for the supply-side reform of credit risk supervision of commercial banks.The innovation of this paper lies in the following several aspects.First of all,the innovation of research perspective.From the perspective of supply-side structural reform,this paper explores the problems and mechanisms existing in credit risk supervision of commercial banks and discusses the policies and countermeasures for accelerating the supply-side reform of credit risk supervision of commercial banks in China,which is a different perspective.In the second,the innovation of theory.The paper takes the three theories of credit risk supervision as the basic theory,conducts an empirical test on the logical evolution of the problems and mechanisms existing in credit risk supervision of commercial banks and carries out a comprehensive theoretical search on optimizing credit risk supervision system and establishing a sound credit risk control and coordination mechanism,which enriches the theoretical system of supply-side supervision of commercial banks in the new era;thirdly,the innovation of practice.Basing on the supply-side structural reform,focusing on the credit risk of commercial banks and the demonstration of public supervision policies and countermeasures,the paper selects representative case and conducts comprehensive examination and key analysis,which provides practical guidelines for improving the credit risk supervision level of commercial banks and gives the realistic way to perfect the financial supervision system and hold the bottom line of no systemic financial risk.