Study On The Balance Of Banking Regulation

Since the financial crisis of the year 2008,taking the banking regulation as the focus,world has entered a new round of financial regulatory reform.China as an important part of the global economy and finance,it has also begun the reform of the financial regulatory system including banking regulation.As China is a socialist country,as well as an emerging market countries,banking regulatory model is immature and has a clear executive right-led characteristic.The phenomena of weak basis of law,lacking ion of market supervision and self-discipline supervision,over-regulation and inadequate supervision are existing.How to balance the right of regulation,consolidate the foundation of the basis of law,and coordinate the main body of supervision right is an important issue to improve the regulation system.This paper analyzes the theory and basis of controlling and balancing the regulation right.Combined with the practice of the United States,Germany and other developed countries in the controlling and balancing the regulation right,compared with the China’s financial regulatory reform and the latest results of comparison,putting forward the suggestions on controlling and balancing the regulation right of bank from the coordination of the main right of supervision rights,the introduction of market supervision and the establishment of re-supervision system.The first chapter of this paper briefly introduces the research background of controlling and balancing the regulation right of bank,and clarifies the research methods to be used in this paper,analyzes the significance of the research and the purpose of the research to be achieved.The second chapter mainly analyzes the nature,the source and the theoretical basis of the bank regulation right.This paper introduces the present situation of China’s banking regulation,and sorts out the existing problems of supervision and over-regulation in China,and makes preparations for further analysis and supervision of banking regulation.The third chapter mainly uses the comparative analysis to introduce the banking regulation mode of western developed countries such as the United States and Germany,and analyzes and discusses the regulation and control of their supervisory rights respectively.On this basis,further analyzing the problems existing in China’s banking regulation mode and the deficiencies in controlling and balancing.The fourth chapter is based on the analysis of the problem of controlling and balancing in China’s banking regulation combined with the reform of financial practice,putting forward the suggestions on controlling and balancing the regulation right of bank from the coordination of the main right of supervision rights,the introduction of market supervision and the establishment of re-supervision system.