| Financial liberalization and innovation have become a global trend of economic operation, which will become the main feature. Countries in the financial sector tend to make international cooperation ceaselessly, as one of the most important economic entity, China has entered the era of financial liberalization. Through the prosperity development of the financial industry as well as the financial industry of booming, that help people bring more social welfare. However, financial liberalization has brought opportunities, for the countries, also has brought challenges at the same time. But because of the cooperation of the world financial markets, financial institutions, and financial products is becoming more and more close.The interdependence, financial risk and financial crisis through various channels to spread all over the world. Such consequences will be more serious, and lead to more profound influence. But as the financial subject, bank as the key position in the financial system, such as the financial development and economic operation.So that its stability and security will be directly related to financial system and even the entire national economy of steady and safe. Well it also change a local crisis into a global crisis, so strengthening the government of banking supervision is especially important. Review the world bank history, financial crisis as the main impetus to banking supervision system variances, so that the entire banking supervision history is in response to the financial crisis and constantly improving supervising system process. As the 2008 economic crisis rapidly sweeping the globe,bank regulation and its institutional choice will be pushed to the front, and banking supervision is catching the while worlds'eyes. Regulation is a government intervention that is corresponding with the voluntary behavior of market, well banking supervision is dominate by the government,and a administrative behavior. In order to ensure the financial system, healthy, stable and to protect the interests of depositors the government has made a series of institutional arrangements. According to the public benefit maximization representatives, for the government as the public interest, she has no choice but to be the principle of banking supervision. First of all, bank service has the quasi-public, market failure and banking inherent characteristics, so we demand that the government supervision lead to a flexible and effective banking industry that means timely and appropriate intervention, strengthen the supervision towards banks. Secondly, Banks as the special monetary-operation enterprises and as the organizations that service social intermediary, it must accept supervision.This is indispensable for the banking industry have the healthy development, and also is essential for the social stability. In China, as the banking regulatory commission was established, and this marked the banking supervision has gradually to the scientific and legal, standardization road. But as the accelerating process of the financial-freedom-evolution, endlessly leaving financial innovation, Also the business between banking, securities and insurance begin to cross, seepage, and the existence of asymmetric information, that make bank supervision exist duplicated regulatory as well as regulatory blind spot. This phenomenon reduced regulatory efficiency and the supervision leakage in china exposed gradually.In this paper, under the background of financial liberalization, we will make the bank supervision model as the research object, facing the rapid development and banking changing various risks endlessly, through the financial liberalization make China banking regulatory model change review and the China banking regulatory status and the analysis of the existing problems, and finally puts forward some advices to the financial liberalization and the process of how to strengthen China's banking supervision suggestion.The article consists of six parts:The first part is mainly an introduction to a background and significance of the research that we choose, as well as the research-status, research-methods and the structure arrangement.The second part is mainly talking about the banking supervision, the basic theory and financial liberalization theory, and this part also discussed the financial liberalization and banking supervision relations, and make further analysis of financial liberalization in the process of the government behavior. This paper firstly introduces the meaning of financial liberalization and its related theories. Then it introduces the banking supervision, banking supervision model definition, banking regulatory theory and banking supervision mode of sorting. Secondly it demonstrates the relations between financial liberalization and banking supervision; Finally it analyze the government behavior of financial liberalization.The third part described a mode changes and the present situation of financial liberalization that is under the condition of China's banking supervision. Firstly it is about to China's financial liberalization process. Secondly described the liberalization process that is under China banking regulatory model, and analysis the change of China's banking supervision model in the new situation..Finally it introduces the existing problems of China banking regulatory model.The fourth part, this paper introduces the financial liberalization under the condition of developed-countries banking regulation, and the pattern of international experience. This paper make focuses on the United States, Britain, and Japan's banking supervision model and it's financial liberalization of bank supervision model. At last bring the enlightenment of China's banking supervision.The fifth part is the conclusion that towards financial liberalization under the condition of China's banking supervision-mode, and the inheritance countermeasures is the full text of the foothold, which is based on the above existing problems and reference to the international experience, and make the conclusion towards the bank supervising mode. |
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