| The continuous economic growth and deepening of the financial market have promoted profound changes in the financial regulatory system.In 2019,the China Banking Regulatory Commission and the China Insurance Regulatory Commission(CBIRC)achieved functional integration and established the China Banking and Insurance Regulatory Commission,which is a major adjustment of China’s financial regulatory system.The report of the 20 th National Congress of the Communist Party of China proposed that it is necessary to strengthen and improve modern financial supervision,strengthen the financial stability guarantee system,include all kinds of financial activities in supervision in accordance with the law,and guard the bottom line of no systemic risk,which puts forward a clear direction for banking supervision.As a prefecture-level dispatching agency of the CBIRC system,the Z Municipal Banking and Insurance Regulatory Sub-Bureau plays a vital role in the steady development of the banking industry under its jurisdiction.In recent years,the number of banking institutions and business scale under the jurisdiction of Z City have gradually increased,the financial risk situation is still severe and complex,the regulatory pressure of the Z City Banking and Insurance Regulatory Sub-Bureau has increased,and problems such as insufficient human resources,inadequate use of regulatory means,and lack of supervision capacity have gradually emerged,and there is still a lot of room for improvement in the quality and efficiency of supervision work.This paper takes the Z Banking and Insurance Regulatory Sub-Bureau as the research object to study its banking supervision.First of all,it explains the meaning of bank supervision,makes clear what kind of supervision is effective supervision,and summarizes the basic theory of bank supervision.Secondly,it introduces the organizational structure,human resources of the Banking and insurance regulatory branch in Z City and the common regulatory means in the supervision process,and analyzes the comprehensive indicators,credit risk indicators,liquidity risk indicators,profitability indicators and specific representative indicators supporting the local economic development of the banking industry in Z City from 2018 to 2022.According to the principle of index construction and combining with the basic situation of banking supervision in Z City,the effectiveness evaluation system of banking supervision is constructed.The indicators in the evaluation system include four categories and 12 sub-categories.A questionnaire survey was conducted among 50 supervisors,senior managers and employees of regulated institutions.They were invited to score each evaluation index according to the current working status and the development of the banking industry in the Bank Insurance Regulatory Branch of Z City.According to the results of questionnaire survey,AHP chromatography is used to determine the weight of each index,and then fuzzy comprehensive evaluation method is used to evaluate the effectiveness of banking supervision in Z City Banking Insurance Regulatory Branch qualitatively and quantitatively.At the same time,according to the evaluation results and the actual situation of daily work,the paper comprehensively and deeply analyzes the main problems existing in the banking supervision work of Z City Banking Insurance Regulatory Branch and the problems and risks faced by the development of banking institutions.Finally,according to the problems existing in the banking supervision of the banking supervision branch of Z City,optimization strategies are put forward from the aspects of the construction of the supervision team,the operation of the supervision mechanism,the application of the supervision means and the management of the supervision process,and the safeguard measures for the implementation of the strategies are defined,so as to ensure that the proposed optimization strategies are feasible and effective.Finally,through the implementation of optimization strategies to promote the Z City banking insurance regulatory Bureau to quickly adapt to the new situation of strict supervision,strong supervision and smart supervision,better play the leading role of supervision,timely prevent and resolve all kinds of financial risks within the banking industry,to protect the legitimate rights and interests of consumers,effectively safeguard the safety of people’s property and the sound operation of the financial system. |
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