The Regulations And Supervisions On The Banks Under The Background Of Mixed Management

With the continuous economic globalization and internationalization, financial stability and the sustained and steady economic development is more and more inseparable. If financial stability, it can promote the development of the national economy, and if the financial crisis, the entire national economy has great potential recession. Therefore, the strengthening of banking supervision, and preventing and alleviating the increasing risk of the banking sector regulatory authorities and academia great concern. China in the mid-1990s chose a separate operation and management systems for separate sectors, but in the late 1990s, as the international financial situation changes and the development of China's financial industry, regulators on the banking industry gradually relaxed Mixed Operation restrictions. In fact, China's banking industry in some form there is a mixed business. Mixed business to the general trend of China's banking supervision presents many challenges. These challenges include information asymmetry, regulators, depositors and the public the conflict of interests between the banking industry and the matching of income and risk issues.However, previous theoretical studies or mainly concentrated in mixed operations or financial supervision. Compared to the financial industry or development course, the inevitable trend that mixed operation, thus the design of China's financial regulatory system, or all of the pros and cons of financial regulatory practice as well as on China's financial regulators propose appropriate solutions. The two are not mixed operations analysis of the impact of China's banks, and the resulting regulators, banks, depositors and other stakeholders in the regulatory decision-making process of the game changes. This is not a simple study of mixed business or a simply study of banking supervision, but in the mixed business on the general trend of how the regulation of banks.In this paper, learn from their predecessors on banking supervision research results, the method of comparative analysis inspected the United States, Britain, Germany, and a representative of the developed countries, the banking supervisory practice, with the actual situation in China at the same time, sort out the mixed business banking supervision under the intrinsic logic: Bank uncooperative - regulatory penalties - banks - regulatory incentives. While this phenomenon is banks, regulatory authorities, depositors (the public) under the three mixed operations there because of the information asymmetry, based on mutual self-interest between the outcomes of the game. In this paper, mixed business in the backdrop, through the supervision of the banking sector and one-off between Game and Game indefinitely, the public and the game among banks, the public and supervisory departments of the game, we have the optimal balance is banking innovative business, regulators relaxed regulation. Finally, this article on mixed operations conducted under the supervision of China's banking system design that banks should be established to strengthen the internal organs and obtain regulatory departments and the public's trust as the prerequisite to regulatory departments slack supervision for the incentive to the public and regulatory departments inter-agency mechanism for restricting Trinity's banking supervision framework.