Research On The Countermeasures Of Government Supervision Of Financial Management Business Of Chongqing Commercial Bank

Since the reform and opening up,China’s financial industry system reform has been in full swing,especially after the 19 th national congress,the scope of opening up of the financial industry has been further expanded,and China’s commercial banks have also launched many innovative financial products based on this trend,which has promoted the prosperity and development of the economy to a certain extent.However,at the same time,due to the natural high-risk attributes,instability and certain negative externalities of financial products of commercial banks,in the process of its transformation and development,how to change the government’s regulatory responsibility from extensive guidance to fine control,how to clarify regulatory objectives,play a regulatory role,optimize regulatory methods,and improve policy effectiveness are all issues that need to be studied and explored.This paper mainly takes Chongqing Commercial Bank as an example.Firstly,this paper combs the latest research trends of domestic and foreign scholars on bank supervision,and expounds the public governance theory,government supervision theory and information asymmetry theory,which provides a theoretical basis for this research.Secondly,starting from the actual situation of Chongqing commercial banks,this paper expounds the current situation of government supervision of financial management business of Chongqing commercial banks.In terms of the development status of financial management business,it mainly includes the main types and income problems of financial products;In terms of the current situation of government supervision of financial management business,it mainly includes three aspects: the subject of government supervision,the way of government supervision and the content of government supervision.At the same time,it also expounds the main risks existing in the financial management business of Chongqing commercial banks,mainly including legal risk,market risk,operation risk,compliance risk and information asymmetry risk.Then,this paper mainly analyzes the problems existing in the government supervision of financial management business of Chongqing commercial banks through interviews.The existing problems are as follows: first,the implementation of government supervision is insufficient;Second,the independence of the regulatory body is poor;Third,the supervision laws and regulations are not perfect and unified;Fourth,the supervision process lacks dynamic tracking and monitoring.Through the analysis of the causes of these problems,it is mainly reflected in the following four aspects: first,there are shortcomings in the government supervision mechanism;Second,the government does not attach importance to self-regulation system;Third,the supervision law is incomplete;Fourth,the supervision and implementation personnel are lack of professionalism.Finally,through combing and summarizing the full text,this paper puts forward suggestions and measures to optimize the government supervision of financial management business of Chongqing commercial banks.It mainly includes the following four suggestions: first,establish a regulatory coordination mechanism for wealth management business;Second,strengthen the construction of relevant regulatory system;Third,further improve the construction system of relevant laws and regulations;Fourth,strengthen the construction of government supervision team.I hope this study can provide relevant reference for the steady development and comprehensive transformation of Chongqing commercial bank financial products market.