Problems Existing In The Supervision Of Joint-stock Commercial Banks And Countermeasures

Looking at the development of the financial industry at home and abroad,the banking industry generally occupies a dominant position in the entire financial system and plays a crucial role in the development of a country's financial industry and even the national economy.To achieve the sound development of the banking industry and the stability of the entire financial system,the key is to strengthen bank supervision.Since the 1990 s,large and small financial risks have profoundly affected the development of the banking industry.The frequent occurrence of the financial crisis has led to major changes in the supervision of the international banking industry.Under the conditions of market economy,the information asymmetry,negative externalities,and principal-agent issues of the banking industry will all have an important impact on the stability of the banking system.Without paying attention,it may lead to a systemic financial disaster,even at certain times.Global financial crisis.In 2017,China's GDP reached 80 trillion yuan,second only to the United States,ranking second in the world,but the total market value of listed companies in China's banking industry was 13.08 trillion yuan,ranking first in the world.However,China's banking industry and its corresponding bank supervision are still quite different from those in foreign countries in terms of theory and practice.This poses a severe challenge to China's huge bank asset supervision.In order to effectively prevent and control these risks,on the one hand to seriously study international practices,conduct effective supervision of the Chinese banking industry in accordance with the prevailing rules of the game,and on the other hand to comply with China's national conditions,it is very important and meaningful to propose a regulatory system suitable for China's joint-stock commercial banks.of.At the beginning of 2018,the China Banking Regulatory Commission held a national banking supervision and management work conference,stressing that it is necessary to lay a solid battle against financial risks,comprehensively strengthen the establishment of rigid restraint systems,and effectively prevent and control systemic risks.This shows that the government has released the signal of strict supervision.Commercial banks should actively adapt to the new regulatory environment,continue to increase self-discipline awareness,rectify improper business practices,and improve internal control and risk management.China Postal Savings Bank Y-line(hereinafter referred to as Y-line)as a joint-stock commercial bank has faced severe challenges in the increasingly complicated domestic and foreign financial environment.Under this background,in this context,the Y-action case studies the joint-stock commercial bank.Problems and related reasons in banking supervision,and put forward corresponding countermeasures,hoping to contribute to the theoretical and practical work of the topic.