Research On Financial Supervision Issues In County Areas

Finance is the core of the modern economy,and the sound development of the economy is inseparable from the support of finance.The prevention and resolution of major risks proposed in the report of the 19th National Congress of the Communist Party of China is mainly to prevent and control financial risks.The Fifth National Financial Work Conference clarified the scope of financial supervision by local governments,namely small loan companies,financial guarantee companies,pawn shops,financial leasing companies,commercial factoring companies,regional equity markets,and local asset management companies,4 types of enterprises that develop credit mutual aid farmers’ professional cooperatives,investment companies,social crowdfunding institutions,and various local trading venues,collectively referred to as "7+4" category financial enterprises.Subsequently,the China Banking and Insurance Regulatory Commission was established,and my country has formed a two-tier financial supervision model in which the central and local governments jointly supervise finance.Under this kind of supervision system,there are problems in local financial supervision,such as lack of legal basis,blurred borders of central and local supervision,and unsmooth coordination mechanism.County financial supervision is faced with many problems such as weak resistance to risks and weak financial supervision,the lack of resident agencies in the county,the lack of coordination between various supervisory departments,and the harsh financial ecological environment,all of which affect the effect of county financial supervision.The first part of this article explains the background and significance of the paper,analyzes the current research status at home and abroad,briefly introduces the situation in County G,and introduces the research methods and possible innovations.The second part introduces the related concepts,objectives,characteristics and theoretical basis of county financial supervision.The third part first clarifies the subjects and objects of county financial supervision,and then introduces the current status of my country’s county financial supervision,including the current status of regulatory agencies,the current regulatory basis,the current status of coordination mechanisms,The current situation of financial risk prevention.The fourth part analyzes the main problems faced by countyfinancial supervision based on the actual situation of financial supervision in County G,including the imperfect supervision laws,imperfect supervision system,unsmooth supervision and coordination mechanism,bad financial ecological environment in counties,and challenges brought by new financial formats.The fifth part briefly introduces the exploration and practice methods of G County in financial supervision.The sixth part proposes corresponding countermeasures and suggestions for the problems faced by county financial supervision,including speeding up financial supervision legislation,strengthening county financial supervision system construction,improving county financial supervision coordination mechanism,make good use of scientific and technological supervision methods,etc.