On The Mode Of Financial Supervision And Our Country's Choice

With the development of economy and finance, the economy globalization gives a challenge to finance safety of countries, especially ,in the back ground of the blurred board of finance departments, finance freement and enlargement of international capital, which improve the finance crisis. During the 20th century, we have to cope with finance crisis, improve the ability of resisting finance risk. So, developed countries as well as developing countries published acts and took finance reform to choose a reasonable supervision pattern. In the background of entering WTO, we should improve the ability of resisting finance risk and the systematic safety , stability. In the case of mixing industry and the supervision mode mergers each other, what we should do to cope with this tendency? The answer is that we choose different methods according to different things. This thesis analyses matural finance supervisions of developed countries(areas), enlighting us to do something that can do well to our country.This text key content is divided into four major part altogether, every main brief introduction the following.First part is the theory that analyses some; I have explained the relevant theories of financial supervision. Then I have summed up the necessities of financial supervision: A Public Good; Natural Monopoly; A symmetric Information; Externalities.Second part introduces the mode theory of financial supervision. And then analyzes financial supervision modes of developed countries or areas and reasons of choosing supervision mode. I choose the USA, Japan ,Britain as well as Korea ,Hong Kong . Analyze from studying in the above financial supervision mode and characteristic of various countries, mine has reached some enlightenment: Implement effective supervising omni-directionally continuously, has already become a key principle and trend of financial supervision; Supervising the respect in the system on the other hand, its centre of gravity will drop on and strengthen validity and pertinence supervised mainly, regard setting up and supervising the important prerequisite realizing being supervised effectively systematically.Third part analyses the tendency and character of financial supervision in the future , mainly showing in the following aspects: 1, Supervised to the mixing industry to supervise and change from the dividing industry. 2, the financial supervision mode merges each other. 3, From supervising one-way to supervising and changing in an all-round way. 4, Change from close supervision to open supervision.Through ahead analysis, in the fourth part,the article describes historic problems of financial supervision in our country. Drawing lessons from the above developed country financial supervision mode, through analyzing I draw the following conclusion: Our country's present financial supervision mode is mainly a method to consult American, the banking is supervised by Central Bank and engaging in regulatory system. The forming of this regulatory system takes shape progressively under the specific historical environment. Because finance, legal system that our country correlated with catch up with development of mixing industry also, not suitable for supervising the mixing industry. So , first, we should have a clear financial supervision aim: protecting the benefit of creditor; controlling financial risk; ensuring the management of financial system. Second, setting up legal system of financial supervision and keep its stable management in order to have a high efficiency. Third, setting up the authority and efficiency of financial supervision . Fourth, making clear the direction of financial institutions and improving the legality structure.