Study Of Chinese Commercial Bank Regulatory Issues

Bank supervising is an administration behavior of supervising authorities. Financial innovation and financial development both demand the bank supervising research continuously. For our national bank supervising, it's only dozens of years. Supervising practice proves that bank supervising needs the scientific theoretical leading. Supervising mechanism reform aims at forming the positive interactive mechanism between monitor sand people who are taken charge of, an defectively defense and analyze the risk and support the stable development of the bank. Because in the overall financial system, commercial bank is the financing institute, with the broadest scale, the biggest amount of employees, absolute dominance over running funds and covering the wildest scopes. And it is the body of the banking system and the significant part of the circulatory system of national economy operation. Commercial bank plays a prominent role in the social economy development and financial steadiness. Therefore, this article thinks that it's an important theoretical meaning and realistic value to supervise effectively commercial bank appropriately.The first part is to simply narrate the effective supervising theory of national Commercial bank. Firstly, it tells the nature and character of the commercial bank. Secondly, it analyses the reason, principle and target of effective supervising of the commercial bank. Finally, it clarifies necessity of effective supervising of the commercial bank from operating risk and the different Supervising mode analysis.The second part is to research the question of the effective supervising of national commercial bank. National commercial bank is close to international bank continuously in the course of finance globalization. Chinese commercial bank cannot escape from its own reality, and also cannot neglect the successful experiences of the international bank supervising. This article discusses the obstacle of the national commercial bank supervising system in the internationalization of banking monitoring from the system, technique and organization.The third part analyses the means and measures of improving commercial bank effective monitoring. Effective monitoring must tightly grasp the formation...