China's Banking Regulatory Efficiency Research

The effective and steady bank system is an important engine which the economy grows with, it may reasonably dispose the fund resources, shifts the fund to the most potential item, thus has the considerable spillover effect, and impetus overall economy growing fast. In recent years, the financial globalization and the liberalization also increases all countries' finance system indefinite factor during impetus world economics development. Specially, after 1990's the bank risk and crisis occur frequently. To bank supervision, the continuing financial turbulence and the financial crisis are challenges. China is in the transition from Planned Economy to Market Economy, The banking industry not only exists monopoly, asymmetric information, market failure, but also has social credit imperfection and soft budget constraint and so on special factor. After China entering into WTO, The financial market internationalization is obvious day by day, the Strengthen of financial supervision, preventing and resolving financial risks become the most important work for financial supervision institution. The content, method, system, laws and regulations for supervision all need improve. Under this background, how enhances the supervision efficiency of our country banking industry is not only theory question, but also one extremely realistic question. In most theory and practical research, what expert emphasizes is corporate governance and internal control mechanism but for supervising agency, they usually pay attention to supervisory structure, the goal of bank supervision and so on. There is no more people pay attention to the efficiency of bank supervision. The efficiency of bank supervision includes two meanings: one is reducing the supervising cost and improving efficiency; another is promoting commercial bank to strengthen the ability of market competition and anti-risk, at last improving the efficiency of all the banking industry. This thesis consists of five parts: firstly, this paper carried on the review to the bank supervision, secondly comparing and analyzing several supervision systems which...