The Research On The Problems Of Financial Supervision In Chongqing

Local financial supervision is an important part of China's dualistic financial supervision system, bear on the outside of the banking, securities and insurance industry of small and medium-sized financial institutions fulfill important duties of the supervision function, regional financial development, prevention and disposal of financial risk plays an important role in promoting. With the continuous development of China's financial industry, the financial industry from "separated operation" gradually to "mixed operation" development, "separate supervision" of the financial supervision system has been unable to fully meet the actual needs of financial supervision.In recent years, domestic and foreign scholars have done a lot of research and Exploration on the central and local financial supervision of the central and local governments, and have achieved some results. But due to the local financial supervision recently proposed, including Chongqing, local financial supervision in practice is still faced with incomplete legal system, supervision of unequal rights and responsibilities, unified central and local financial regulatory objectives, regulatory power is weak factors leading to the system and mechanism of many aspects.First of all, the author after reading a lot of reference based on the related literature, comprehensive use of public management, finance and other related theories, using the quantitative analysis, literature review, comparative analysis and other research methods to analyze and study the Chongqing local government financial regulation. This paper expounds the basic theory of financial supervision and the origin of local financial regulation and the division of responsibilities. The subject, object, content and effect of the local financial supervision in Chongqing are briefly introduced. A detailed analysis of the Chongqing local financial supervision is lack of legal basis, "separate supervision system lead to the defects of financial supervision, Chongqing local financial supervision existing regulatory vacuum, four aspects: resource shortages and other problems. Domestic and international advanced experience for reference, puts forward the concrete idea, namely: strengthen Chongqing local financial supervision legislation; learn from the U.S. financial system reform, for the pilot to carry out the reform of the financial system, efforts to solve the separate supervision drawbacks; Anglo American financial supervision and the system of the network and Wenzhou private lending regulatory experience for reference, perfect supervision system in relative areas, fill the Chongqing financial regulatory vacuum zone; increase efforts to tilt of financial and staffing resources etc. four for opinions and suggestions.