Research On The Problems And Countermeasures Of Commercial Bank Regulation In Shangrao City

Finance is an important core competitiveness of the country,financial security is an important part of national security,and the financial system is an important basic system in economic and social development.As an important part of the financial industry,commercial banks play a vital role in the healthy and rapid economic development.In 2007,the outbreak of "subprime crisis",on November 12,2020,CBIRC agreed to package Baoshang Bank into bankruptcy procedures,which shows that the vulnerability of commercial bank system,capital profit-seeking,information asymmetry,determines it must with the help of external regulation,to better guarantee its security,liquidity and efficiency.In recent years,with the rapid development of domestic economy,the increasing number of commercial banks and the variety of banking business are constantly innovating.The development of commercial banks has shown a blossoming situation.At the same time,the government has paid more and more attention to the transformation of the regulatory functions of commercial banks.A national financial work conference was held in 2017,at the meeting,the Financial Stability and Development Committee of the State Council was formally established.In 2018,China,through the institutional reform plan of the State Council,proposed to establish a new regulatory system,namely the regulatory structure of "one committee,one line and two sessions",and established the China Banking and Insurance Regulatory Commission.This is a major measure taken to deepen the reform of the financial regulatory system and solve the problems of unclear regulatory responsibilities,cross-supervision and regulatory gaps existing in the current system.At present,under the background of economic downturn,with the rising financial risks in China,how to effectively improve commercial bank supervision,continuously improve the ability of commercial banks,resist risk,to cope with the current unstable and uncertain economic situation,also caused the attention of the academic community and industry,has become an important topic we need to study.Based on the understanding of the above situation,this article takes Shangrao City as an example,the main research object is Shangrao Banking and Insurance Regulatory Sub-bureau.Shangrao City is located in the northeast of Jiangxi Province,connecting Zhejiang in the east,Fujian in the south and Anhui in the north.It belongs to the border area of the four provinces,with convenient transportation,high degree of market opening and relatively active market economy.Since the establishment of the China Banking and Insurance Regulatory Commission Shangrao Regulatory Branch in 2003,There established 39 commercial banks,Among them,24 legal person institutions(including 1 city commercial bank,23 small and medium-sized rural banks),with 15 branches.China Banking and Insurance Regulatory Commission Shangrao Regulatory Branch has always adhered to the main line of "risk prevention,excellent service,promoting reform and strict management",Strictly abide by the regulatory regulations and requirements,A variety of effective supervision means were adopted for the daily business behaviors of Shangrao Commercial Bank,We will firmly ensure that systemic risks do not occur,Strive to provide a stable and safe external environment for the healthy and steady development of commercial banks,At the same time,from the perspective of the economic and social progress in Shangrao City,According to the current situation of social operation in the region,It also makes the development of Shangrao Commercial Bank contribute to the overall economic development of Shangrao City with more powerful driving support.Although at present,commercial bank development overall running smoothly,controllable risk,but due to the under the background of the economic downturn,financial risk rise in China,commercial banking institutions defects exposed more obvious,commercial bank supervision work must also constantly change functions,update regulatory mode,in order to adapt to the continuous change of bank risk characteristics.This paper is conducted through literature research,questionnaire survey,face-to-face interview,inductive analysis and other methods,Combined with my actual work,The China Banking and Insurance Regulatory Commission Shangrao Regulatory Branch supervision work is the research object,Using the learned public management theory,for a thorough analysis,To study the current situation of the supervision work of Shangrao Commercial Bank,also carried out the Shangrao City commercial bank supervision work satisfaction survey.It is found that the current problems existing in the supervision of commercial banks are: the top-level system design is not adapt to the actual situation at the grass-roots level,the division of supervision functions is overlapping,the prominent heavy contradictions between supervision resources constraints and supervision tasks,and the supervision measures lag behind the development process of banks,And analyzed the reasons for the above problems:the supervision concept is not advanced,the supervision coordination mechanism is not perfect,the supervision information level is not high,and the supervision team construction is not comprehensive.Finally,according to the above problems and based on the perspective of grass-roots regulators,we put forward suggestions and countermeasures to improve the supervision of Shangrao commercial banks: update the supervision concept,optimize the supervision mode,and strengthen the construction of supervision force.The conclusion of this study has certain guiding significance for the supervision practice of commercial banks.