Macro-prudential Supervision Of Research Questions

The core of macro prudential regulation is to prevent systemic risks to thefinancial system, to monitor the risk of macro prudential supervision and regulation canbe divided into the time dimension and the cross-sectional dimension, time dimensionfocuses on commercial bank credit procyclicality, cross section dimensions of the mainstudy systemically important banks.Based on expounding the theory of macro prudential supervision, by drawing onthe international experience of the main developed countries, such as Britain and theEU America, according to the practice of China’s macro prudential supervision,discusses the commercial bank credit procyclicality and supervision from the timedimension, discusses systemically important banks and supervision from the crosssection dimension. Analysis showed that: at present our country mainly use capitalretained, leverage, liquidity, counter cyclical capital buffers and dynamic provisioningpolicy tools to solve the commercial bank credit along the peripheral issues, problemsand at the same time, pressure test, the capital adequacy ratio, capital allocation andother policy instruments to solve the risk contagion systemically important banks etc..This paper further discusses the main problems including, existed in the practice ofmacro prudential regulation of systemically important banks:"too big to fail" and riskcontagion, macro prudential supervision main body is not clear, the lack of financialsupervision and legal and institutional guarantee and the financial holding companysupervision, security protection mechanism is not perfect for consumers of financialproducts, to protect the interests of the insufficient pressure testing, existing problems,and finally puts forward some policy suggestions.