China Banking Regulatory Research

The banking is a high-debt industry,which results in vulnerability of the banking itself. This can easily lead to banking crises,and thus lead to economic crises.These crises have brought serious blows to the national economy,so these countries focus on the supervision of the banking industry, hoping to weaken the cost of crisis through a series of regulatory measures. According to the commitments of accession to WTO,the country has achieved full liberalization of foreign banks at the end of 2006,domestic banks face a more complicated situation, therefore studying the system of banking supervision is particularly important in the present.This paper discusses a foothold on Banking Supervision,leading to the premise of bank supervision:Market mechanism plays a fundamental role; Government play a positive and appropriate monitoring role,which is the basic guarantee of market efficiency; We need the modern legal system to ensure the implementation of their integration.Our supervision of banks is made up with government regulation,banking supervision and regulation of social intermediary organizationsWith the establishment of the basic framework of banking supervision,China's banking industry has made great achievements.But we must recognize that China's banking supervision system is changing from a planned economic system, therefore there are still some imperfections in the control subject, object monitoring,market constraints,legal system.So we must base on our banking supervision existing sound issues,and learn more useful experience from the U.S.,improving the state financial supervision.