Research On Improving China's Financial Regulatory System

Finance is the core of modern economy, the position in entire economic growth process , in marketplace process is evitable. Reformation being accompanying our country economic system , political system, the finance system essential points is carried out reforms , financial supervision as a important component, will also change as well. And whether financial supervision system perfect is the basement that whether financial supervision can play a role . is building-up under this background.Financial supervision is an antiquited but brand-new topic. With the fact that science and technology progress , finance innovatived,interaational finance in course of with quicker step to globalization development,which bring forward new challenges to financial supervision system.In this dissertation,the author will proceed with the basic theory on financial supervision.The main body of the dissertation is complied with according to bringing forward problem , analysing problem, and solving a problem.The first chapter ,the author introduces the financial supervision,including that the financial supervision marketplace, financial supervision benefit, development oversees theory and financialsupervision theory on financial supervision theory. Among these, the financial supervision marketplace includes that "public financial system product", characteristic property reasoning with to "thumbing a lift" , incomplete information and information asymmetry, financial fragility theory; Financial supervision benefit says in terms of having common benefit to look for a rent in terms of controlling mainly, the government controls capture theory and the cartel controls theory; Development oversees theory choosing theory including dialectics and society controlling ; Financial supervision theory developing trend has supervision and control of finance innovition , the financial supervision cooperation among nations etc. mainly.Second chapters are development of our country financial supervision system history and problems. Introduce our country financial supervision system history evolution firstly. Our country financial supervision system has experienced four periods mainly: the grand unification people line system builds the period (1948 - 1979) , the financial supervision system first step formation period (1979 - 1992), the job oversees system forming period (1992 - 2003) , financial supervision system reformation period (2003 - so far). There exists a lot of problem in system in our country financial supervision in developing process. Summing up our country financial supervision system have problem is the seal priority. There exists incoordination composition , inspectionorganization and quilt inspection organization relation are not yet justified between overseeing organization the right duty boundary obeying , overseeing organization and the local government is unclear problem in financial supervision organization first; The industry autonomy is neither strong , supervision and control of foreign bank , supervision and control of popular finance dynamics are insufficient and besides two is that the financial supervision marriage partner has a lot of problem except oneself; There are "four lights and four heavies in the financial supervision content": serious market access makes light of market exit , heavy scene inspection is not that the scene oversees , the light risk of coincidence gauge nature inspection oversees , weight controls light service gently ; Final financial supervision society oversees an environment,equal existence such as legal institutions environment, qualified talented person to varying degrees shortcoming.Third chapters analyse problem, idea falls behind, finance integration impingement waits to change , financial supervision existing problem in financial supervision system carrying out analysis of causes , having historic cause , financial supervision to stagnate the fleetness late than financial structure mainly.The system problem carries out the countermeasure analysing a hereafter , bringing forward perfect our country financial supervision system on our country financial supervision. Part for specifically for thefinance overseeing organization, the financial supervision marriage partner, financial supervision content submit corresponding suggestion with method , the financial supervision environment , expecting that system perfects the due efforts acting as out self to our country financial supervision.