Problems And Countermeasures In The Supervision Of Agricultural Bank Of WZ

Looking at the development of the financial industry at home and abroad,the banking industry generally occupies a dominant position in the entire financial system,and plays a vital role in the development of a country’s financial industry and even the national economy.To achieve the healthy development of the banking industry and the stability of the entire financial system,the key is to strengthen banking supervision.Under the condition of market economy,information asymmetry,negative externalities and principal-agent problems in the banking industry will have an important impact on the stability of the banking system.At the beginning of 2018,the China Banking Regulatory Commission held a national banking supervision and management work conference,which emphasized the need to fight the tough battle to prevent and resolve financial risks,comprehensively strengthen the construction of rigid restraint systems,and effectively prevent and control systematic risks.This shows that the government has released a signal of strict regulation.Commercial banks should actively adapt to the new regulatory environment,continuously enhance their self-discipline awareness,correct improper business practices,and improve their internal control and risk management levels.This paper adopts the methods of literature analysis and normative analysis,based on the theory of public interest,the theory of new public management and the theory of market failure,to analyze the current situation,existing problems and countermeasures of agricultural bank supervision in WZ City.The study found that there are problems in the supervision process of the Agricultural Bank of WZ City,such as the current supervision model is not perfect,the coordination of the supervision agencies is not strong,and the risk management and control behavior is not efficient enough.In order to improve the financial supervision of agricultural banks in WZ City,this paper believes that four measures should be taken: firstly,to build a sound banking supervision system;secondly,to establish a coordination and supervision communication mechanism.The reform between departments;the third is to improve the risk management ability,establish and improve the risk management system,increase the investment and application of technology,and promote the implementation of big data risk supervision;the last is to optimize the government supervision environment,strengthen the continuous supervision of commercial banks,and improve supervision access mechanism for personnel.