A Research On The Comprehensive Supervision And Regulation Of China Commercial Banks

A Research on the Comprehensive Supervisionand Regulation of China Commercial Banks (Synopsis)Commercial banks, as a special part in the economy, has ever been highly regarded by every government and the financial supervising authority。With the development of banking industry, the financial leverage is more and more utilized, and the banking industry becomes more fragile. As far as now, the banking industry faces many kinds of risks, conversion risks and risks involved in financial derivatives. Today, the impacts of financial crisis is more than ever。With the coming of financial globalization, financial crisis accelerated. The situation poses a new task for the financial supervising authority, i.e, how to establish an effective supervising, system and how to improve the ability of the centre bank to resolve financial crisis. With the queckening of Chine's market economy reform, the opening of commercial banks is inevitable, the risks facing commercial banks is getting greater and greater。Enhancing the supervising of the commercial banks tops the4=agenda of the financial supervising authority。In this regard, the paper is an analysis of how to strengthen and perfect the supervision of commercial banks.The paper can be divided into three parts:PartⅠA theoretic analysis of the supervisions of commercial banks. Through the analysis of three supervision theories, the part argues that appropriate supervision can improve the social welfare, so the supervision is necessary。PartⅡThe problems facing Chinese commercial bank system.The part argues that the assets ratio is too high,assetliability ratio is irration and the supervision by the people's bank of china is inefficient.PartⅢAn international perspective of commercial banks and it's supervising system. The part highlights the measures taken by center banks. Through comparison and analysis, the part try to find out their advantages, and shed some lights on how to improve our supervision.PartⅣEnhancing and perfecting the supervising system suitable to Chinese banking system. In light of the two former parts, the part analyze the problems in going supervising system and puts up a series of specific Suggestions and measures to improve and perfect the supervision of Chinese commercial bank system from the perspective of internal and external supervisions.