Research On The Current Situation And Countermeasures Of Bank Supervision In Lianyungang City

The financial industry of a country or region is the key to the healthy and stable development of the national economy,and the banking industry is the pillar industry of the financial industry.Therefore,it is said that whether a country's banking industry can get healthy development has become a macro national economic problem.The important sign of the smooth operation has made China's banking supervision work face new and great challenges,and has raised higher requirements for the improvement of the ability and level of the overall banking supervision.In 2007,the subprime mortgage financial crisis,which originated from the real estate market of the United States,swept the world and had a far-reaching impact on the global financial market.At present,all the governments around the world are generally inclined to take stricter control measures to the banking industry and strictly control the external negative effects of the banking industry.In the face of the global financial industry as a whole,this article strives from the perspective of the government's supervision on commercial banks,combining with the current situation of Lianyungang bank supervision and regulation,and actively draws on the theoretical results of public management,control economics,financial economics and so on.Compared with the approaches of analysis and historical analysis,this paper carefully discusses how to solve all kinds of problems in the process of banking supervision in Lianyungang,and puts forward practical and feasible countermeasures.Through the analysis and research,this paper clearly points out that the supervision work of the Bank of Lianyungang should go out of the current predicament.It should take the regulatory mechanism of strengthening the linkage of the regulatory authorities,strengthen the credit evaluation and information disclosure of local banks,strengthen the management and control of the financial risk of local banks to maintain the stability of the market,and promote the unified regulation with the innovation of the regulatory system.Innovation of fan supervision system,strengthening the external supervision as a beneficial supplement to the banking supervision,and constructing the comprehensive supervision personnel training system,such as the supervision department,the local government and the educational authorities,and the local colleges and universities.This article believes that through the above measures,we can build an efficient,scientific and standardized local bank supervision system,further strengthen the supervision department to play the main role of banking supervision and correctly perform the regulatory function,and form the benign,real-time,and dynamic between the supervisor's government and the commercial bank as the supervisor.The interactive mechanism can effectively prevent and control the kinds of financial risks that the commercial banks face in the process of operation,enhance the overall competitive vitality of the commercial banks in China,and maintain the security and stability of the financial market.