On Study Of The Financial Risks Of Our Country Commercial Bank And The Government Inspection Under The Financial Crisis

This paper analyzes the global financial crisis derived, the development of the whole process, and a brief analysis of the reasons causing its explosive micro, macro causes and underlying causes, its main purpose is to cause us for reflection that the Commercial Banking Regulation are reasonable, effectiveness. Secondly, the paper analyzes the Chinese commercial bank supervision system status, introduced its organizational structure and risk prevention system, analyzes the characteristics of China's regulatory system and defects; also focused on commercial banks in China are analyzed in the current risk status. China's rapid economic development, the full liberalization of the domestic market, are all strong and efficient financial services call; Therefore, Chinese commercial banks in recent years, a series of reforms, making it more comprehensive financial services, competition, more strength, also increased The role of the national economy. At the same time, China's commercial banks, the financial risks faced by the more complex and more hazardous. Therefore, China's economic development status and background of world financial crisis, the analysis of the commercial bank's risk situation is of great significance.Therefore, originally under big background from our country economic growth current situation and world financial crisis. The problem put forward is for exploring road of solving. One final chapter institute writes the main body of a book, solving being to do one's utmost to explore several the following problems:Does our country respond to the inspection system how to perfect a commercial bank? Need to use how inspection idea goes to structure whose risk charging mechanism woollen cloth? Oversee aspect, financial market, so developed USA of financial regulation in the commercial bank, the person oversees what actually happened where problem to have put up? Inspection idea therefore, cannot do one thing and neglect the other according to "hand of marketplace" and "hand of the government" seal regulates and controls three aspect such as system from the legal framework, organization system and risk overseeing suggesting that perfect our country. From some, on species significance, we can say in this way:American lesson of financial crisis, Chinese experience.In short, if we can find some valuable experiences and enlightenmens from the financial crisis, after some years, financial market of our country maybe is likely to avoid "doctrine of dyadic track of an overturned cart of USA ".