Research On Effective Banking Supervision For BaoJi Branch Center Of The People's Bank Of China

Finance is the core of modern economy, while the bank, as the main part of the finance, is playing an unrivaled important role. With the opening, internationalization and modernization of economy & finance, modem bank is facing up with more and more financial risks, and these risks are becoming more and more difficult to predict and control. After experiencing the Asia finance turmoil, people have increasingly recognized the importance of financial risk and financial supervision.The people's bank of China (PBC), as the banking supervision institution of P.R.C, is charging with banking supervision of the whole country. And its performance mainly is fulfilled by the branch institution all over the country. However, the grass-roots central bank has many problem and barriers in the course of carrying out the supervision performance because the new supervision system is very new (about ten years old) and the theory research is laggard and so on. So far, how to improve and enforce the performance of the banking supervision and how to keep away and resolve the financial risk has been the significant problem to be resolve immediately hi the course of developing the market economy of socialism.Firstly, this paper, based on the research of Baoji Branch Center of People's Bank of China and reigned bank and of improving the efficiency of the banking supervision, simply looks back on the evolution of the China banking supervision, and profoundly analyzes the present banking supervision system,whereby has founded the problem and deficiency of the present supervision system. Secondly, this paper, based on the new information, systematically introduces the present international banking supervision and development trend particularly the core principles of the Basel banking supervision commission. Finally, this paper, based on the theory of bank supervision and financial risk and so on. systematically studies the five respects as follows: the target of effective banking supervision system, the base and precondition of effective banking supervision system, supervision main body, supervision object, and the outside restriction of effective supervision, and worked out the ideas and measures by which grass-roots central bank can realize the effective banking supervision.