International Comparison Of Banking Supervision Model And Experience

Banking industry is a particular industry with high risks. From its birth, the financial crisis caused by failed operations influences development of the world economy again and again. At present, global financial crisis stirred by sub-prime loan crisis in America has driven the public's attention into the field of banking supervision once more. To advance, Banking industry needs innovations. Nonetheless, insufficient supervision in the process of innovation would lead to economic crisis as well, only by which the development of banking industry can be balanced.As a developing country transferring from regulated financial system to liberalized financial system, China is supposed to take steps cautiously. On the basis of summarizing practical experiences of banking supervision in typical developed countries and developing countries, this article addressed improvement measures on Chinese circumstance to promote development of her banking industry.This article takes comparison of banking regulation mode between main countries and relative experiences as subject, divided into five chapters.Chapter 1 reviews the literatures concerning banking regulation, which summarizes necessity of banking regulation, international rules and the relationship between innovations and regulations of banking industry as the theoretical basis of the whole article.Chapter 2 compares banking regulation modes between some main countries. After classifying banking regulation made of developed countries and developing countries, this article take America as an example of banking regulation mode of developed countries, and South Korea as developing one, then compare their banking regulation modes and characteristics for summarizing experiences. On basis of international banking regulation trend, this article enlightens the way of banking regulation of China.Systematic history and problems of Chinese banking regulation is discussed in Chapter3. By reviewing four stages of banking regulation reform of China, summarizing achievements of the reform and current macro and micro problems, this article contributes to Chinese banking regulation applications.Chapter 4 addresses measures for designing Chinese banking regulation mode. In regards with development and trend of Chinese finance, this article points out the blueprint of direction of current mode, measures in the long run from three aspects.Chapter 5 is the conclusion part. Based on the former four chapters, it points out that banking regulation mode of China should be in accordance with local circumstance as well as combining international trend.