Profit Model Of Financial Supervision Of Commercial Banks, International Experience

Financial supervision on operational bank effect, is the Financial supervision theory research key point, many domestic scholars have done the research to relations of Financial supervision and operational bank, but looked from the research literature by serched,the domestic research of banking industry profit pattern influencing factor, mainly stressed on the banking industry own research, paid great attention to the endogenous factor research.This article defers to the logic clue of "raise problems,analyze problems and solveproblems" , from the Financial supervision pattern influence's angle, refers to the experience of US, from the exogenous factor's angle, proposed the new explanation to affecting the Chinese Banking industry profit pattern's factor.And through conducts the analytical study to Chinese and American Financial supervision and bank profit pattern, in drawing on the American Financial supervision's experience's foundation, proposed that strengthens our country Financial supervision countermeasure and measure, provides the policy-making reference for the consummation Financial supervision pattern.How right "to transform the Chinese commercial bank's profit pattern? In this process, can the Chinese present Financial supervision pattern make these adjustments? Can China choose what kind of Financial supervision pattern?" waited for the question to carry on the explanation.The full text is divided into five parts: The first chapter primary coverage includes: The research goal and significance, the research technique and literature summarize, the study content and paper structure four parts. The second chapter has conducted the research from the theoretical point of view to the Financial supervision to the effect of bank profit. The third chapter to American Financial supervision pattern establishment and bank profit pattern development analytical study. The fourth chapter carries on the analysis to the establishment and the bank profit pattern Chinese Financial supervision pattern, to affecting Chinese commercial bank profit pattern policy factor development research. The fifth chapter to reforming the Chinese financial supervision mechanism and improvement banking industry profit pattern put forward the feasible proposal.This article major point is: (1)regardless of from financial industry development inherent rules, the international and domestic pressure which faces from the current our country minute industry management system faceed with, mixes industry the management system is Chinese Banking industry developed the inevitable trend. (2) considers the present situation that Chinese financial industry development, China, if realizes to mix industry management, should adopt the gradual reform development way, on the first choice US pattern, takes by Bank holding company realizes to mix industry management principal channel.(3) presently the Financial supervision policy come out of many door, artificial division of the financial industry, increased the bank transformation business model difficulty, has enlarged bank's cost of operation, must establish the more highly effective and quick Financial supervision coordination mechanism as soon as possible, coordinates among each regulators policy.(4) financial innovation causes the derivative product to emerge one after another incessantly, although this may increase the fluidity, raises use efficiency of the fund, but definitely will also bring the financial crisis the proliferation, makes the financial operation the risk to enlarge unceasingly. Therefore, after realizing to mix industry management, must take seriously the financial innovation risk supervision.