Improvement Of Commercial Bank Regulatory Regime

As the core of modern economy, finance has powerful promotion to economic development. As the core of finance system, banks' stability and safety have strong relation with the stability and safety of financial system and the whole national economy. The last two decades of this century have witnessed the continual changes of economic integrity and financial globalization, which made all-aspect transitions of banking industry, from operation idea, management measure to risk control. The transitions aroused banking turbulence and crises, strengthening banking supervision and establishing an effective bank's supervision and regulation system is the important guarantee of banking health of a country.Since China's reform and open to the world, especially from the China Banking Regulatory Commission exercised bank supervision independently, we have made great progress in the work of bank supervision, which is heading for the scientific, legal and normal orbit gradually. But compared with developed countries, the supervision and regulation system of China's banking is plagued with many problems, which makes our country's banking operate with high potential risk. Therefore, it remains an important issue needed to be carefully studied that how to prevent, control and resolve financial risk through efficient supervision and regulation to keep the stability and safety of bank system and to perform bank's core function in financial deepening and resource allocation.According to this situation, regarding global economic integration and financial liberalization as the background, this dissertation studies the commercial banks' supervision and regulation system , tries to establish the supervisory and regulatory system frame constituted by legal system, organizational system and control system. On the basis of the theory of commercial bank's supervision and regulation at home and abroad, this dissertation points out the necessity of commercial bank's supervision and regulation .Then this dissertation reviews briefly the evolution process of our commercial bank's supervision and regulation system, analyses deeply the current situation of our bank's supervision and regulation system in the legal system, organizational system and control system aspects , affirms the achievement of our bank's supervision system which has good effect on financial operation and bank supervision. Subsequently, this dissertation points out the defect of our bank's supervision and regulation system in the legal system, organizational system and control system aspects, analyses the urgency and seriousness of our bank's supervision and regulation system reform.In order to provide strong support and successful experience for the reform of our commercial bank's supervision and regulation system, this dissertation takes America, Britain and Japan whose commercial bank's supervision and regulation systems are more developed as example, compares their legal system, organizational system and control system, analyses their common characteristics and future trend. On the basis of drawing developed countries' useful experience, this dissertation puts forward policy and suggestion to set up a complete and effective China's commercial bank supervision and regulation system in the legal system, organizational system and control system aspects.