| The report of the 19 th National Congress of the CPC puts forward the major measures of "intensifying targeted poverty alleviation,preventing and resolving major risks,and preventing and controlling environmental pollution in an all-round way so as to make a success of the three major fortifications and improve the quality of life of the people",among which,the prevention and resolution of major risks ranks first in the three fortifications.At present,as financial services have become a very critical part of our country’s information security and our country’s social and economic development,to some extent,the security of financial services will be directly related to the security of my country’s economic and social development.Risks and financial crises can directly lead to serious economic risk problems and economic crises in the entire society of our country.Therefore,the prevention and resolution of financial risks are of positive significance for maintaining the stable financial situation of our country and ensuring the sustained and stable development of the economy and society,and are important contents of the current financial work of our country.General Secretary Xi Jinping attaches great importance to preventing and resolving financial risks,and has repeatedly stressed that the fundamental task of the current financial work of our country is to prevent and resolve financial risks,especially to avoid systemic financial risks.At present,the macroeconomic situation at home and abroad is intricate and complicated,the structural contradictions of domestic macroeconomics are prominent,the slowdown of China’s macroeconomics is greatly oppressed,coupled with the changes in the global situation,the uncertainty of world economic and social recovery is gradually increasing,and the conflict between Russia and Ukraine is increasing.It has triggered a series of "butterfly effects" on the global economy.The new crown pneumonia epidemic has not been effectively controlled,and it has also had a certain degree of impact and influence on the global economy and finance.The aggravation of all kinds of financial risks has put forward higher requirements for the anti-risk capability of the financial market,and even higher requirements for financial supervision.As an important part of my country’s financial market,local finance has played a huge role and made significant contributions to economic and financial development.With the development of the financial industry and the continuous innovation of financial products,regional financial risks are also constantly changing forms,posing huge challenges to local financial supervision.Strengthen local financial supervision,find and solve problems in local financial supervision,and improve local the quality and effectiveness of financial supervision is imminent.In the context of such global and domestic financial environment,the issue of local financial supervision has received extensive attention and research by scholars.On the basis of summarizing domestic and foreign literatures on financial supervision and financial risks,this paper uses the professional knowledge of public management,public policy,fiscal and economic theory learned in the master’s stage,and adopts literature research,survey research,qualitative analysis,etc.and other methods,taking Pingdingshan City as the starting point,to conduct in-depth analysis and research on the problems existing in local financial supervision and the corresponding countermeasures.First,define the concepts of financial risk,financial supervision and local financial supervision,introduce basic theoretical knowledge,including market failure theory,information asymmetry theory,game theory and other theories,and make it clear that the local financial supervision studied mainly refers to the local area of Pingdingshan City.Various supervision and management activities carried out by the Financial Work Bureau,the local branch of the China Banking and Insurance Regulatory Commission,and the local People’s Bank of China and other local financial regulatory organizations;secondly,starting from Pingdingshan City,investigating and understanding the economic and social development of Pingdingshan City,and using various channels Carry out investigation and analysis on its financial supervision system,methods and effects;then summarize the four problems faced by Pingdingshan City’s regional supervision: that is,the financial supervision system has supervision overlapping and supervision blind spots,the local supervision legal basis is imperfect,and the local financial supervision power is weak.and the lack of local financial supervision capabilities,and in-depth analysis of these four problems,summed up the reasons for the formation of the problem: there are disadvantages in the local financial supervision system,the level of local supervision legislation is obviously backward,the lack of talents in the local financial supervision department,and the lag behind the local financial supervision.Local financial innovation;once again,in order to better solve the problems in local financial supervision,provide targeted and constructive countermeasures and suggestions,choose the financial supervision of the US state government and the British local government financial supervision,two typical cases of foreign local financial supervision Conducted analysis and discussion with three advanced typical cases of domestic local financial supervision in Suzhou,Wenzhou and Shenzhen,summarized their successful experience and methods,and analyzed their local financial supervision policies,legislation,systems,technology and other aspects of local financial supervision.Finally,four specific countermeasures and suggestions are given to further improve the local financial supervision of Pingdingshan City: clarify the boundaries of financial supervision functions,improve the legal system of local financial supervision,strengthen the construction of local financial supervision talents,and strengthen local financial supervision technology means.The research results of this paper have a certain supplement to the case studies of local financial supervision,and have certain reference value for strengthening local financial supervision and management system and legal construction,filling financial supervision gaps,ensuring local financial security and stability,and preventing and reducing financial risks. |
