The Legal System For Our Country The Commercial Banks Supervision

With the development of economic globalization and international financial, thefinancial crisis also appear constantly. In order to resist the impact of financial crisison banking, western countries generally established regulatory system to the bankingoperations. The system generally consists of three areas: the external supervisionsystem, internal control system and the market restraint mechanism. The externalsupervision system is lag, and vulnerable to economic development level and socialresources such as constrained conditions. And build the internal control system inmodern enterprise internal control based on actual regulatory measures, can thesustainable development of commercial Banks play an important role, so manynational bank regulators to give hope to the internal control system. Although ourcountry present stage of the internal control system has been basically meet therequirements of the Basel committee on banking supervision standards, but still havesome defects in the system, and also has many problems in the implementationprocess. So perfecting the legal system of our country commercial bank internalcontrol has important practical significance.This article first to the commercial Banks internal control system and the basiccontent of regulation, and then reviews the changes of the commercial Banks internalcontrol system, try on this basis, summed up the development trend of thecommercial Banks internal control. Then a comprehensive analysis of the currentsituation of our country commercial bank internal control system, points out thedeficiencies, and through the internal supervision system of commercial Banks indeveloped countries successful experience summary and reference, put forwardSuggestions of perfecting our country’s legal system of commercial Banks internalcontrol. In order to ensure that the financial globalization, integration and innovationof the environment, commercial Banks can be steady and efficient development.This article is divided into five parts. The introduction introduces the purpose ofthis study and significance, research status at home and abroad and the researchmethods and innovations; The second chapter analyzed the commercial Banksinternal control system of theoretical basis and review the system change. The third chapter our country commercial bank internal control regulation of the developmentof the legal system, and points out that our country commercial bank internal controlregulation laws and regulations of faults; Fourth chapter study of British andAmerican, countries such as the construction of internal control system of thereflection of experience and combined with the current financial crisis to evaluate it,for later construction of China’s commercial Banks internal control system providesthe reference; The fifth chapter is this article foothold, puts forward the legal systemof China’s commercial Banks internal control is put forward. The author thinks thatChina’s legal system of commercial Banks internal control should be in the corporategovernance structure, external supervision, several aspects to improve and perfect thesupporting system.