Research On The Optimization Of Supervision System Of China 's Commercial Banks

At present,China's banking industry is generally in a stable state of operation.Assets and liabilities have maintained a steady growth,and profitability has continued to increase.Banking financial institutions' risk resilience has remained stable,provision has been adequate,and overall risks are controllable.At the same time,financial chaos has continued to emerge: commercial banks' out-of-balance-sheet business,alienation of interbank business,increased non-performing assets of banks,and high financial leverage from state-owned enterprises with high leverage have highlighted the urgency of preventing and controlling risks.Since China established the China Banking Regulatory Commission in 2004,it has achieved certain results in bank supervision,prevention and control of risks;however,in the new historical period,there are many problems with this regulatory model.The author worked long-term in the banking supervision department and felt profoundly about the existing malpractices of the existing supervisory model.Therefore,in this article,combining the actual work,the author conducted an in-depth analysis of the existing banking supervision system and put forward optimization measures.This article has innovatively constructed the “three-in-one” banking supervision system of the supervision laws of commercial banks,the supervision bodies of commercial banks,and the supervision means of commercial banks.Using a large amount of data and using empirical analysis methods,these three aspects are taken as the entry point to discuss the current situation in China.The problems and deficiencies in the supervision system of commercial banks are mainly due to the lack of supervision and coordination of the overall laws and regulations of the main body,single supervision methods,backwardness,and weak regulatory power.Then,we learn from the changes of the supervisory system of commercial banks in major developed countries,the United States and the United Kingdom,and the reform process and the completeness of the regulatory system.Finally,according to the actualities of China's banking supervision,drawing lessons from foreign experience,we put forward measures to optimize the supervision system of China's commercial banks,mainly to establish the overall status of the People's Bank of China in regulatory legislation and supervision,strengthen the supervision of technological supervision,and strengthen the construction of supervision teams.And use the power of administrative punishment rationally.