Research On The Supervision Of State-owned Commercial Banks In Inner Mongolia

With the rapid development of modern technology and the deepening of the reform of China's economic system,financial products developed fast,which result in regional or even international financial crises.The occurrence of adverse events,set the debt crisis and the sub-prime mortgage crisis strongly as examples,which indicate the banking industry is facing a variety of risks,that are continuously escalating and seriously affect the stable development of China's and the international economy.Consequently,conducting comprehensive and effective supervision on the banking industry,especially the state-owned commercial Banks,becomes a heated topics,for the importance of recurrence of adverse events all over the world.According to the deep research of the state-owned commercial bank of the Inner Mongolia Autonomous Region and the summary of current Internet technology,the article aims at effective supervision of state-owned bank,which developed healthy.Firstly,the basic theory of state-owned commercial bank supervision is presented.Secondly,it summarizes the current situation of the supervision of state-owned commercial Banks in Inner Mongolia from five aspects of current situation,supervision concept,supervision system,supervision implementation and implementation effect feedback in detail.According to the current situation of supervision,the paper points out four problems in the supervision of state-owned commercial Banks in Inner Mongolia: deviation in supervision concept,problems in supervision system and mode,high cost in the implementation of banksupervision and insufficient supervision effect.Significantly,the problems are caused by the lack of necessary guidance of supervision theory and consciousness,the existence of loopholes in the supervision mechanism of Banks,the low quality of personnel in the implementation of bank supervision and the inefficiency of the implementation of bank supervision.Last and not least,judging from the existing problems,countermeasures and suggestions are put forward from four aspects to improve the supervision effect of state-owned commercial Banks in Inner Mongolia.First of all,reshaping the concept of bank supervision is came up with.Moreover,the essay develops the improvement the banking supervision system.Thirdly,the author also indicates the improvement the banking supervision mechanism.Lastly,other protective measures are also referred to for the further discussion.After the deeply study of this subject,it is believed that as long as the regulatory level is continuously strengthened,the national conditions and regional characteristics are fully combined.We also suggest that active controlled measures are taken effectively,the expected regulatory effect can be achieved.From the above statement,the aims of the mentioned advice is to promote the steady development of state-owned commercial Banks and realize the development of national economy finally.It is hoped that the study in this paper will have important forward-looking and preventive value,which provides a strong reference for the sound development of state-owned commercial Banks in Inner Mongolia.Moreover,it also has the significant role in the stable and sustainable development of state-owned commercial Banks both in China and even the entire financial industry.