Research On Non Spot Supervision Effectiveness Of Gansu Banking Regulatory Bureau

With the deepening of financial innovation, financial reform, a new financial derivative products is increasing and tends to be complex, market interest rate, exchange rate to speed up the process, the private capital into the banking industry has accelerated the pace of.This financial form evolution, to risk control as the core of the banking supervision has brought hitherto unknown challenge.The non spot supervision as an important content of "banking regulatory risk oriented", which can reflect the latest, most timely regulatory status, it can improve the efficiency of supervision, can help regulators to allocate resources efficiently, reduce the cost of supervision.But with the change of the current financial industry, the non spot supervision index system, the original regulatory rating, supervision system, supervision information system has been unable to effectively play the role of risk early warning and risk control, a series of shortcomings and work off-site supervision itself is more apparent.Therefore, how to constantly sum up, continuing to explore the off-site supervision function, target and positioning, improve the direction to further clarify the off-site supervision and the focal point of the work, enhance and improve the effectiveness of banking non spot supervision, for the future implementation of effective risk prevention, has the reality, urgent, the positive significance of steady development. Avoidance of silver industry.Therefore, this article selects the Gansu Banking Regulatory Bureau as the research object, combined with Gansu CBRC regulatory practice, to the multi-dimensional perspective on how to improve the effectiveness of on-site supervision of non Gansu banking regulatory bureau undertook active exploration.This thesis consists of five chapters.The first chapter is the introduction, explains the background and significance of the topic, review and comment on the existing research literature, introduces the research content and research framework.The second chapter introduces the theory. Mainly expounds the theory of the commercial bank and the risk supervision effectiveness theory of regulation and non spot supervision in which the role of. The third chapter from the Gansu Banking Regulatory Bureau off-site supervision objectives, index system and the supervision process of Gansu Banking Regulatory Bureau off-site supervision work.The fourth chapter use descriptive statistics on the Gansu CBRC non empirical analysis and evaluation of the effectiveness of on-site supervision of the banking regulatory bureau, and Gansu non factors influencing the validity of the site supervision in detail.The fifth chapter from the foundation to improve the data veracity, perfect the system, strengthen the non spot supervision index off-site risk early warning function, strengthen the supervision of the non spot supervision information system construction, improve five aspects of non spot supervision personnel quality, improving Gansu Banking Regulatory Bureau off-site supervision put forward policy recommendations effectiveness.