The Research On The Countermeasures Of Perfecting National Bank's Supervision Systems

The steadiness and security of banking industry is basic for national development. Its role requires it can maintain the confidence of depositors, loaners and the whole market. The loss of it will result in the loss of all the economic values produced. Owing to the strong relationship between economic growth and banking solidity, all governments have been stressing banking supervision, which plays a key role in realizing the steadiness of financial security, safeguarding the depositors' legal rights and promoting fair competition and elevating the bank's efficiency.China Banking Regulatory Commission is publicly founded on April 28, 2003. The supervision role which was formerly shared by China People's bank was separated and placed under the management of China Banking Regulatory Commission. The supervision function comes from three perspectives: the supervision authorities, the bank's self-discipline and market regulations. As the government puissant section, the supervision authorities can supervise the banks directly and exert its role through market regulations indirectly. Considering own interests, the banks also can manipulate itself from inside. Market regulations restricts the banks' business activities by system of rewards and penalties. Focusing on supervision authorities, bank's self-discipline and market regulations, the essay analyzes the existing problems and puts forward the countermeasures for it.