The Study Of Chinese Fnancial Spervision In The Context Of Financial Cisis

With rapid development of global economic, interdependence relations of countries' economy are getting more and more close. Especially in the financial crisis at the beginning of 21st century, it affects widespread scope. The influence greatly to explain this point. Because of regarding the economical linkage enhancement consideration, on elaborating the financial supervision knowledge fully, this article elaborated the problem of American finance supervision. Then analyse emphatically the problem of China finance supervision. , and how to profit from the overseas experience, and consummated our country finance supervision pattern.The discussion of financial supervision already existed in academic circle for a long time, this article mainly discuss how to prevent the crisis effectively and how to suppresses the result after the crisis occurs. This article divides into four parts.The main content of the first part is that the financial supervision has contained the financial surveillance and the finance manages. It is a multi-skill concept which develops along with the the development of financial industry. For the better understanding of finance supervision, this article unifying the process of the financial industry, elaborated the goal of supervision in each different time in detail: First, the main supervision goal of the currency supervision stage's was to strengthen the currency supervision for the adaptation to the demand of economical development; Second, the main goal of the market supervision stage's was to overcome the market blindness; Third, the essential target of the organization supervision stage was to strengthen the supervision of the financial organ overlapping service, and realizes the market stability; Fourth, the essential target of the function supervision stage's is to adjust the market malfunction, and maintain the financial security, and raise the financial efficiency.The central content of the financial supervision goal is to maintain and protect financial system's completeness and the stability, protect information minority groups' benefit. Then we know, regardless of under what kind of time background, the financial supervision is very essential. This is because of the particularity of financial industry's and the important position in the entire national economy.The second part is that on the basic of analyzing the American finance supervision, we can obtain some enlightenment.The manifestation of the problem of the American financial supervision is four parts. Macroscopic analysis :First, the crisis early warning mechanism is insufficient. Secondary loan existence already long time, but the US monetary authority has not realized the risk which possibly will exist, ahead of time has not taken the effective measure to prevent from crisis. Second, government mentality misleading. To promote the entire economical the development, the US government to, has carried out the policy, and then it further promoted the US economical froth growth. Third, the financial supervision structure which is unreasonable creates the supervision the vacuum and overlaps. And then it causes the low efficiency of the American finance supervision. Microscopic analysis: First, there is no supervision to loans brokerage firm's. Second, the supervision of the loan company is insufficiency.Third, the supervision of the commercial bank is insufficiency. Fourth, the supervision of credit rating organization is insufficiency.The third part is to analyse the problem of Chinese financial supervision. First, the supervision structure is very difficult to form the supervision joint effort, on the one hand the coordination of various departments' is insufficient, on the other hand this kind of structure is very easy to cause the supervision vacuum and the supervision overlap region; Second, the financial supervision lacks the powerful legal safeguard.The forth part give some suggestions. First, we can construct gal finance supervision. Second, we can develop the law. Third, we can develop the International cooperation of finance supervision.