A Research On Chinese Government Accountability For Risk Surveillance By Commercial Bank

In China, commercial banks are an important part of the banking sector; China’s financial system is an integral part of the reform on commercial banks. In the process of development and reform of China’s banking industry, the regulatory risks emerge continually worrying problem, especially state-owned commercial banks; the risk is obvious, combined, whether a country’s economy is heavily dependent on the healthy development healthy operation of commercial banks, so the various countries and regions have adopted stringent measures to regulate commercial banks. At present, China’s banking regulatory system is to risk regulatory compliance phase of the transition from the regulatory stage, only the best will improve the state of the commercial banking regulatory system in China’s commercial banks in order to enhance the competitiveness of the financial market, which was have the ability to face all the problems and challenges, so that commercial banks have a chance to steady development. Financial regulatory body is authorized by the government departments or government department, the financial supervision in the financial sector specific government actions will produce what kind of impact, this is a problem worthy of study. Therefore, the purpose of this study is that with the current regulatory system of China’s commercial banks to further explore the government’s responsibility in risk supervision of commercial banks.On the theoretical level, this paper based on the perspective of government regulation of commercial banks to discuss the government as the main financial regulation, how it will be implemented effective government action to carry out supervision and management of the financial sector? Are the various regulatory actions implemented by the government is a rational, scientific? Whether to follow the law of development of the economy? Whether there is a need to be perfected? Based on the Government Accountability supervision of commercial banks risk analysis and study, which found shortcomings and deficiencies in the area of financial regulation government regulation, and thus raised the question of the existence of appropriate solutions, to explore how the government can better financial regulation, and thus promote the vigorous development of the financial sector, to achieve good operation of the national economy.