Study On The Improving Of Basic Banking Regulation Performance

With the development of China's economy slowling down and the quality of banking assets downward migration,all kinds of risks go up.The CBRC response to the banking regulation of the new situation actively,and to guard against and dissolve the risk constantly,keep the regional systemic risk away from the bottom line.Its regulatory efforts get praise of all directions.The basic CBRC agencies are the important foundation of the CBRC supervision effectiveness.The H branch bureau is a typical local offices of CBRC at the grass-roots level.By studying the H,this paper form a system for the China banking regulatory commission,and the other grassroots branch offices can draw lessons from the case.This paper focuses on the basic banking regulation performance problems.First of all,build up a simple indicator system to evaluate performance of the basic CBRC agencies from the four dimensions with the capital adequacy,risk and risk management,banking development and banking supporting to the local economy.Second,according to the simple evaluation system,this paper designs a mark sheet and its rules,which are used to evaluate the performance of the H branch office of the CBRC.Third,analyze the factors restricting the performance of the H from its three major jobs with off-site regulatory,on-site inspection,market access respectively,and the professional regulatory team.Finally,design a set of tactics to improve the regulatory performance of the H,from the improvement of work mode and method and the construction of high-level professional team.In this paper,the main conclusions are as follows:(1)The efficiency index system which is suitable for regulatory branch bureau at the grass-roots level includes the four dimensions with the capital adequacy,risk and risk management,banking development and banking support the local economy and the eight indicators with capital adequacy ratios,leverage,non-performing loans ratio,more than 90 days overdue loans and non-performing loans ratio,rate of loan provisioning,profit growth rate,risk assets profit rate and loan deposit ratio.(2)According to the "four dimensions and eight indicators" evaluation system,this paper designs a mark sheet which can better adapt to the evaluation of the supervision effectiveness of the H.(3)The regulation of the branch office of CBRC which delegate is the H,are effective basically,but there is still a large room to improve.The systematic and feasible strategies include: to upgrade the off-site supervision as the core,to see on-site inspection as the most important meams,to base the supervisory behavior on market access,and see the construction of a high level of supervision personnel as the fundmental.