Study Of The Generation Of China's State-owned Commercial Banks' Risk And Regulatory Issues

The commercial bank risk is the important topic which needs to solve urgently for all of the market economy countries , it can not only threaten a state economy development but also can influence the international economy and politics, especially in nowadays. China is a developing country, which the market economy system preliminary has just established, as a result of the traditional system influence, the market is not completed, as well as the economic system switcher time unique instability and lack of the compatibility, our country has the serious commercial bank risk in the economy developing process, the possibility and the serious consequence has already caused us highly vigilance. Although the country has also taken many measures, and has not control the bank risk increase and enhances the bank management achievements fundamentally. Moreover our country bank supervising and managing' s weakness also enables the bank risk to be under the effective control with difficulty, therefore, under the market environment, the studies of our country state-owned commercial bank with the risk characteristic, the special risk origin, as well as strengthens to these risks supervising and managing has the important and the practical significance.First, this article obtained from the bank risk and the supervising and managing definition, and analyzed the bank risk characteristic , the supervising and managing goal, according to limited theory and soon rational and information nonsymmetrical theory, financial vulnerable theory, public interest theory, economical supervising and managing theory, which has thoroughly analyzed the root of this question, and we know the importance of strengthening the bank supervising and managing. Next the paper has carried on the diagnosis analysis of the present situation to our country bank risk, then has discovered the current problem which displays in the low property quality, the insufficient capital rate, the weak profit ability, the latent fluid inferior aspect, and through elaborated the reason of bank risk from both exterior and internal aspects, moreover elaborated the bank risk production reason from the angle of supervising and managing. After that based on the Bethel new capital agreement foundation it has been analyzing our country state-owned commercial bank risk supervising and managing present situation specifically, from the bank organization, the problem mainly contains the imperfect mechanism and the rating system, also the inferior autonomy aspect; Says from the bank supervising and managing department, the problem mainly is that the valid insufficiency supervises and manages, the discloses information and so on. Finally based on above analysis, the paper has proposed some arrangement of how to construct the effective bank risk supervising and managing system.