Research On The Problems And Countermeasures Of Supervision By Banking Insurance Regulatory Bureau Of Gansu City Commercial Banks

With the development of financial globalization,the financial industry has an important impact on China’s economy.As the pillar of the financial industry,the city commercial banks,as an important part of the banking industry,are also mushrooming in the rapid development of China’s economy.Coupled with the rapid development of Internet technology in recent years,city commercial banks must adjust their development direction and all-round reforms in real time if they want to develop sustainably and steadily.However,in the transformation and development of urban commercial banks,in order to develop the profit space in the fierce competition,there will inevitably be all kinds of financial risks.At this time,the regulatory agencies must supervise them to ensure the compliance operation and steady development of urban commercial banks.As the most direct external supervision institution in Gansu Province,the Banking Insurance Regulatory Bureau can effectively play a role in supervision,prevent and resolve financial risks,which is of great significance to the development of city commercial banks.Therefore,in the development of urban commercial banks,it is of practical significance to study the supervision of Gansu urban commercial banks.On the basis of fully drawing on the research results of scholars at home and abroad,combined with the development case of G Bank in Gansu Province,through the research and experience at the City Commercial Bank,the problems existing in the supervision of urban commercial banks by Gansu Provincial Banking and Insurance Regulatory Bureau are deeply analyzed,It is found that the regulatory efficiency is improved due to the administrative system restriction,the regulatory law update cycle is too long,lack of real-time improvement in regulatory concepts and regulatory means,lack of improvement in the professional ability of supervisors.In the process of supervision of city commercial banks,there are some problems,such as imperfect supervision laws and regulations,loopholes in supervision,unclear positioning and functions of the Banking Insurance Regulatory Bureau,inadequate implementation of supervision responsibilities,lagging of supervision technical means,and improvement of supervisors’ professional ability,which have had some adverse effects on the daily business behavior and performance of city commercial banks.In the process of supervision of city commercial banks,there are some problems,such as imperfect supervision laws and regulations,loopholes in supervision,unclear positioning and functions of the Banking Insurance Regulatory Bureau,inadequate implementation of supervision responsibilities,lagging of supervision technical means,and improvement of supervisors’ professional ability,which have had some adverse effects on the daily business behavior and performance of city commercial banks.At the same time,according to the problems and reasons,this paper puts forward some countermeasures and suggestions to optimize the supervision of Gansu Banking Insurance Regulatory Bureau on city commercial banks in micro and macro aspects.This paper has theoretical and practical value for how to better optimize the effective supervision of Gansu Provincial Banking and Insurance Regulatory Bureau on urban commercial banks in promoting the good development of urban commercial banks.