Research On The Commercial Bank Information Disclosure Of China

Since the 20th century,90s, financial globalization and liberation accelerated day by day. At the same time, financial innovation is also in rapid development. Only rely on traditional regulatory measures to safeguard the security and stability of banks and even the financial sector, to let the banking supervision the authorities feel powerless. In this background, the commercial bank information disclosure institution came into being. Currently, domestic and foreign scholars have done a lot of research on commercial bank information disclosure, and made a series of effective results. However, China's commercial bank information disclosure research starts relatively late, there are still many issues unresolved, such as what information should be disclosed, how to find information, and so on. In view of this, this paper at premise on a deep understanding of the basic meaning of information disclosure, significance, basic principles and the knowledge of economics, by comparing the status quo of the domestic and foreign commercial banks information disclosure, identify the problems of China's commercial bank information disclosure, analyze the reasons of the problems., give the disclosure principles, countermeasures and suggestions.This paper's research ideas can be divided into four parts:preface, basics, identify problems and solve problems.First, a brief introduction of information disclosure research status at home and abroad, and summary of the status of information disclose at home and abroad. Make objective, significance, research ideas, methods and innovation of this paper;Second, introduce the meaning, the principles to be followed and significance of information disclosure, described in detail of economic basis of information disclosed:asymmetric information theory, principal agent theory and the efficient market theory;Third, describe the status of domestic information disclosure, it points out the problems of China's information disclosure.Finally, analyze the causes of China's information disclosure lags behind relatively, and points out that improve china's commercial banks information disclosure institution should follow the principles, strategies and recommendations.Study on China's commercial bank information disclosure enriches the content of information disclosure, and countermeasures and suggestions in this paper can give the banking authorities some references.