Research On Problems And Suggestions Of Banking Supervision Of China

With the globalization of finance and the development of high technology, the financial markets develop rapidly and the financial innovation changes fast, the financial competition is becoming increasingly fierce, which significantly increases the financial risks, this causes the financial crisis happen one after another.In China, the banking assets accounted for about 90 percent of all financial assets, economic growth relies heavily on bank's stable operation, it also largely affect the safety of the banking system. Due to the impact of the economic transition process, coupled with the weaknesses of China's banking industry risk management and internal control, China's banking system has been accumulated a great deal of risk. After the accession to the World Trade Organization, China's banking supervision encountered unprecedented challenges; the international implementation of the core principles of effective banking supervision, the new Capital Accord gave pressure to China's banking supervision.Under the condition of the liberalization, integration and globalization of economic and finance, it has great theoretical and practical significance to study the construct of China's Commercial Banking System. This paper is based on the theory of regulation, it analysis the problem of banking supervision from various aspects with copula method: the main supervision, the object supervision, the context of supervision, the environment of supervision, and an early warning system of banking supervision. This paper first summarizes some basics of banking supervision, including the concepts and the importance, the goals and principles; the content and method. It analyses the status of banking supervision from the time dimension and the research angles dimension of the current situation of China's banking supervision and summarizes the achievements and the problems; It analysis the international experience, compared the similarities and the differences of the United States, Britain, Germany, Japan and other major Western countries in the banking supervision. It analysts the dependence of stability and efficiency of the bank of China based on the copula approach. In the end, this paper puts forward policy proposals on China's banking supervision in accordance with the actual situation of China and corresponding international experiment.