Research On The Problems In Government Supervision Of Personal Credit Business Of Bank Of China T Branch

As an important pillar industry of China’s economic construction,the healthy and stable development of state-owned commercial banks’ business is of great significance for the stable development of the domestic economy and society.As an important source of guarantee for the operation and development of state-owned commercial banks,the importance of personal credit business is also increasing year by year.However,due to the characteristics of small amount,large number of people,and strong dispersion,it is also difficult for state-owned commercial banks to control the risk of personal credit business.If the credit business collapses,it will not only have a huge negative impact on the development of state-owned commercial banks,but also have a serious impact on the stability of social order.Therefore,while state-owned commercial banks play a role in meeting the credit needs of the people and assisting economic development,government departments also need to further strengthen the supervision and management of personal credit business of state-owned commercial banks,in order to ensure the healthy and stable development of personal credit business.This is also a key issue that government regulatory departments urgently need to solve at present.Based on this,this article uses methods such as literature review,case analysis,questionnaire survey,and interview,combined with theoretical knowledge such as government failure theory,public governance theory,information asymmetry theory,and risk management theory,to conduct a comprehensive analysis and research on the supervision of personal credit business in state-owned commercial banks from three levels: regulatory authorities,T-bank staff,and financial consumers.The article first analyzes the current situation of personal credit business supervision in Bank of China T Branch from three aspects: the development status of personal credit business,regulatory status,and regulatory effectiveness,by reviewing relevant information in recent years;Secondly,through the use of questionnaire surveys and interviews,the problems in the supervision of personal credit business in Bank of China’s T branch were analyzed from both qualitative and quantitative perspectives.Specifically,the regulatory system was not perfect,the constraints were not strong,the regulatory methods were outdated,the execution needed to be improved,the investment in regulatory resources was insufficient,the regulatory effect was weakened,and the regulatory content lacked specificity and was relatively narrow;Finally,in response to the existing problems,the article combines the theoretical analysis in Chapter 2 and the questionnaire survey and interview in Chapter 4 to propose optimization strategies for the government supervision of personal credit business in Bank of China T Branch.Specifically,these measures include improving the credit supervision system,reshaping the regulatory assessment system,improving technology supervision methods,establishing a regulatory big data platform,introducing social regulatory resources,strengthening regulatory manpower investment,and enhancing regulatory targeting,Pay attention to enriching regulatory content and other aspects.This article takes the optimization of government regulation as a perspective to study the government regulation of personal credit business of state-owned commercial banks,to supplement the deficiencies in government supervision and management;In terms of research content,this article focuses on analyzing the understanding and evaluation of government supervision of personal credit in state-owned commercial banks,in order to provide practical reference for government departments in the practical operation of personal credit business supervision in state-owned commercial banks.