A Reseach On The Problems And Perfecting Measures Of Effectiveness Of Banking Regulation Of China Banking Regulatory Commission

China`s banking regulation system are developing parallel along the way of internationalization and professionalization , by establishing the China Banking Regulatory Commission (CBRC)and enacting and carrying the Law of the People`s Republic of China on Banking Regulation and Supervision. But these actions and changes don`t guarantee to lead China`s banking regulation to the expected target. In the actual performance of banking regulation, there are many pending problems, which directly confining the progress of banking regulation level and restricting the power of supervision function ,meanwhile, decaying the abilities of precaution and fulfillment of dealing with the financial risk. Therefore, in order to strengthen the regulation, powerful banking regulation system should be established and positive effective measures must be taken.On the basis of reviewing and studying the rich document materials of banking regulation in America,England and Japan about the historical development experience, regulation objectives and regulation methods and combining with the peculiarity of the Chna`s banking regulation as well as experiences, this dissertation will dedicate to find out the general effective regulation methods in the light of existed problems in China. Also, this paper gives a deep analysis on the situation of the financial regulation efficiency, and its causes and practice effects during the past few years in China . This paper shows that the core of China`s banking regulation is how we can improve the efficiency of the bank supervision, what kind degree measures should be taken and how we can improve our regulation efficiency.This paper analyses the existed problems of regulation effectiveness under CBRC, which have become an obstacle to enhancing the level and the achieving the goal of the banking regulation. The main problems in banks are: imperfect of the regulation principles; an incorrect operating mechanism ; uncombined effect on continuity and focus of the regulation on the spot; lack of regulation; lack of sound information disclosure in China`s banking regulation; lack of competent and trained supervision stuffs .It should be the effective measures that must be taken in order to consummate the legislation and to enhance the level of the regulation and to improve the development of the banking sector as a whole.Based on the theory of banking regulation effectiveness and the experience of CBRC, the paper gives detailed policy advices on how to improve banking regulation effectiveness. The studying results of this paper propose that banking regulatory commission should improve banking regulation effectiveness by creating and consummating our effective banking regulatory systems ,making perfect financial risk regulation mechanism, setting up a series of regulation methods and operation procedures; establishing and completing the banking appraisal mechanism with regarding the risk as a core factor, constituting binding market withdrawal mechanism and insurance system; enhancing banking self-discipline in interior management and strengthening information disclosure regulation on public media.