Research On Supervision Problems And Countermeasures Of Yingkou City Commercial Banks

As the most dynamic legal body in the banking system of our country,urban commercial banks play an irreplaceable role in supporting the development of real economy,supporting small and micro private enterprises,and practicing social responsibility.They have always been the focus of attention of the regulatory authorities.Although the ability and effect of grass-roots supervision have made great progress,with the increasing complexity of financial environment and the emergence of innovative business in urban commercial banks in recent two years,the professional level of most grass-roots supervisors lags behind that of bank practitioners,and the overall supervision quality and risk-solving ability need to be strengthened.By means of literature analysis,field research and case analysis,this paper makes a comprehensive analysis of the current situation of Yingkou City Commercial Bank supervision,fully expounds the main manifestations of its existing problems,and focuses on the main reasons affecting the effectiveness of supervision.Based on the theory of public management and the practical experience of supervision of similar institutions at home and abroad,this paper puts forward the optimization scheme to improve the supervision level,and fully demonstrates the feasibility of the scheme from the aspects of policy mechanism,economic benefit,social benefit and implementation effect,and puts forward some suggestions and Countermeasures to improve the supervision level of urban commercial banks.This paper concludes that: there are many deficiencies in the supervision of Yingkou city commercial banks,which are mainly affected by three factors: lack of independence of the supervisory subject,lagging of the level of wind control of the supervisory object and lack of benign interaction between the functional departments.In order to solve the problems existing in current supervision,we need to strengthen supervision from three aspects: the subject of supervision,the object of supervision and the action of supervision.In addition,we need to further deepen the reform of financial system and mechanism,vigorously promote the transformation and development of banks,and establish and improve the coordination mechanism of local supervision,so as to build a good regulatory environment and perfect regulatory system to ensure the implementation of effective supervision.