| The stability of operating commercial banks is critical to the healthy development on the national economy. Therefore, all countries in the world attach great importance to the commercial banking supervisionThis paper analyzes the U.S. banks' successful practices and defects practices of supervision, especially the series financial reform measures taken by the United States'government after the financial crisis and tries to provide some suggestions to perfect Chinese banking supervision.Some problems are revealed during the financial crisis, such as regulatory vacuum existing in banking supervision, lagging of banking supervision behind financial innovation, the lack of supervision on the real estate credit market, and also the inadequate supervision on information disclosure. The American reform the financial regulation, including changing the regulatory system form functional to the target, restricting banks engaging in high-risk business, giving the Federal Reserve greater supervisory duties. China should fully draw on the experience of the financial crisis, and make following improvement in the banking supervision system: emphasizing the prudent management, taking the risk of housing mortgage loan into great account, understanding correctly of the relationship between innovation and financial supervision, establishing a uniform system of supervision and strengthening international cooperation in the bank supervision. At the same time, China put in place the Chinese edition of Baselâ…¢, which is the new frame of banking supervision. |
