The Enlightenment Of The Custody Of Baoshang Bank To The Supervision Of The Small And Medium-sized Banks

In the past two decades,China's economy has developed rapidly,and the scale of small and medium-sized banks has expanded rapidly.In recent years,the macro-economic situation is hard to be optimistic.The continuous economic adjustment and downward pressure make small and medium-sized banks have frequent risks in the process of operation and development.Under the background of increasing external uncertainty,endogenous growth power switching and deepening of financial market reform,the characteristics of financial industry development are quite different from the past,and the development of small and medium-sized banks is also facing greater pressure and challenges than before.On May 24,2019,China Banking and Insurance Regulatory Commission issued a notice that due to the serious credit risk of the Baoshang Bank,it decided to implement custody on the Baoshang Bank to protect the legitimate rights of depositors and other customers.The method of trusteeship is in line with the basic situation of gradual reform in China.At the same time,in the past 20 years,the supervision has once again dealt with the problem banks,which also reflects the determination of our government to maintain the stable operation of economy and finance.At present,China's financial industry is in the wave of supply side reform,and the events of the Baoshang bank have their particularity,but also reflect the common problems of some small and medium-sized banks.The paper analyzes the case of trust Baoshang Bank of China Construction Bank,discusses the development of small and medium-sized banks and the problems in their supervision,and puts forward countermeasures and suggestions to improve the supervision of small and medium-sized banks from the perspective of financial security.Specifically,the paper firstly analyzes the current situation of small and medium-sized banks from the aspects of development situation,asset quality,relevant indicators and management model,and then summarizes some problems from the internal and external aspects.Secondly,in the research on the supervision of small and medium-sized banks,this paper analyzes the current situation of the supervision of small and medium-sized banks from two aspects of supervision situation and corporate governance supervision,and finds several deficiencies in the supervision.After that,this paper focuses on the general situation of the Baoshang bank,the difficulties before custody and the impact after custody.Finally,on the basis of the above contents,we put forward eight reasonable regulatory policy suggestions on how to build a financial ecological environment to promote the healthy development of small and medium-sized banks from the perspective of financial supervision and policy.Improving the financial supervision system and keeping the bottom line where systemic financial risks do not occur are the main themes of today's financial work,and it is the cornerstone to guarantee the long-term development of small and medium-sized banks.I hope that the above suggestions can provide some ideas for the supervision of small and medium-sized banks in China.