Research On The Problems And Countermeasures Of The Government’s Supervision Over The Credit Business Of Private Banks

In order to further encourage and guide private investment,strengthen financial support for small,medium-sized and micro enterprises and deepen financial market reform,the Chinese government planned to establish private banks as early as more than 10 years ago.Since the issuance of a series of supporting documents by the State Council and relevant government agencies in 2010,19 private banks have been successfully opened in 2014,beginning to take shape in the market.After the establishment of private banks,they take the route of characteristics,online and differentiation for development.The data of three core indicators: asset scale growth,net profit growth and non-performing credit rate are far better than the average level of commercial banks in the same period.At the same time,in the rapid development of private banks after their start,some credit business risk problems have also appeared,which has exposed the shortcomings of the current government supervision of private bank credit business.Therefore,it is urgent to strengthen the research on the problems and Countermeasures of government supervision of private bank credit business.This paper selects the government supervision of private bank credit business as the research object,uses the public interest theory,information asymmetry theory and supervision dialectical theory in public management,and adopts the methods of literature research and investigation.Private banks belong to financial innovation,and their supervision by the government should reflect certain differentiation and innovation.Although the current government has used various means to supervise the credit business of private banks from the macro and micro levels,and has continuously supervised the credit policy implementation,credit risk management and corporate governance of private banks,there are still many problems in the supervision of private bank credit business,mainly as follows: multi head supervision and different scales;Lack of regulatory laws and regulations;Regulatory behavior is passive and lagging;Insufficient guidance and pertinence of supervision.By querying the corresponding laws and regulations,sorting out the supervision and punishment events of private bank credit business,and analyzing the development characteristics of private bank credit business,this paper analyzes the causes of the above problems as follows: imperfect supervision function system,lack of scientific system improvement mechanism,defects of supervision risk identification mechanism and backward supervision concept.According to the current situation of credit business supervision of private banks,combined with the guidance of public management theory and the problems and causes in the credit business supervision of private banks,this paper puts forward countermeasures for the above problems,that is,to further improve the regulatory function system,improve the quantity and quality of the supply of regulatory laws and regulations,innovate regulatory measures,provide risk identification ability Implement differentiated and dialectical government supervision.