Identification, Alarm And Earlier Supervision Of Problem Bank

Identification, Alarm and Earlier supervision of Problem bank is an important component part of banking supervision with more attention on timeliness and effectiveness principles. Chinese related work has still been in primary step and we should use the experience of other countries especially America for reference.This article aims to provide some useful suggestions for perfecting the banking supervision system of our country through study on interval and international theories and principles on banking supervision, American identification, alarm and earlier supervision system of Problem bank. And this investigation is based on the analysis of small and medium sized commercial banks of china.Chapterl and Chapter2 prove the necessity and importance of improve the supervision on problem bank through the study on the identification, origin and negative externality of problem bank. These two chapters are the theoretic foundation of supervision on problem bank.Chapter3,Chapter4 and Chapter5 make some introduction and analysis on American identification, alarm and earlier supervision on problem bank, Chinese development status of small and medium sized commercial banks, Chinese identification, alarm and earlier supervision on problem bank. These three chapters are the practical foundation of supervision on problem bank.Chapter6 provides some institutional and operational suggestions with the conclusions drawn by former five chapters.Through these investigations, there are following points:1.Chinese small and medium sized commercial banks have been developing very rapidly with many special problems behind.2. Though questioned because of the subprime crisis, American system and experience on identification, alarm and earlier supervision is still very instructional to us.3. Our banking supervision authorities should construct a more in-time and applicable identification, alarm and earlier supervision on problem bank.The innovation of this article is primarily embodied in the angle of view which is paying more intention on the particularity of the in-time supervision on Chinese small and medium sized commercial banks.Supervision on problem bank is a complicated topic which includes many contents. The content discussed in this article is limited in contrast and this topic depends on much more further discussions.In addition, it is hard to avoid that there many disadvantages because author's ability is somehow'limited. Advices and comments are welcome.