Research On Government Regulation Optimization Of Credit Business Of State Owned Commercial Banks

Under China’s socialist market economy system,state-owned commercial banks have played an important role.In the past two decades,the rapid development of China’s economy cannot be separated from the strong support of the rapid development of state-owned commercial banks’ credit business.In the rapid development of state-owned commercial banks,the credit business has also become one of the pillar businesses of state-owned commercial banks,The healthy development of credit business is not only related to the stability of the financial industry,but also related to all aspects of the economy and society.In order to resolve the risk of credit business,the government departments at all levels in China have constantly revised the regulatory laws and regulations and industry norms in combination with the characteristics of credit business risk factors and the operation of financial institutions,and established a regulatory system.However,with the continuous expansion of the types and contents of credit business,the risk problems of credit business occur from time to time,which indicates that the existing credit business supervision system cannot comprehensively supervise it.Therefore,it is urgent to explore the optimization measures of government regulation of credit business to promote the healthy and sustainable development of credit business.Taking the branch behavior of the Agricultural Bank of China in Suzhou Industrial Park as the research object,this paper makes a comprehensive study of the government regulation faced by its credit business by using the literature research method,case analysis method and questionnaire survey method,and puts forward suggestions for the optimization of the government regulation policy of credit business through the study,and also provides some reference for the formulation of the government regulation policy of other commercial banks’ credit business.This paper first introduces the research background and significance of this paper,research status at home and abroad,research ideas and methods,research content and innovation,and completes the introduction of the background of the paper;Secondly,define the core concepts and theoretical basis.Explain the core concepts of government regulation,state-owned commercial banks,credit risk regulation,and other important theoretical foundations of risk management theory,government regulation theory,public governance theory,etc.involved in this paper,and lay a solid theoretical foundation for this study;Thirdly,it combs the development status quo of the credit business of Agricultural Bank of China Suzhou Industrial Park Sub branch,the main body of credit business supervision,the supervision mode and the specific content of supervision.By analyzing the credit business development,personnel organization structure,credit business process and supervision process of the Agricultural Bank of China Suzhou Industrial Park Sub branch,this paper introduces two credit business supervision subjects,namely,the People’s Bank of China Suzhou Central Sub branch and the Bank of China Insurance Regulatory Commission Suzhou Branch Three aspects of credit business efficiency supervision: analyze the government regulation mode of credit business of Agricultural Bank of China Suzhou Industrial Park Sub branch,introduce the specific content of government regulation from four aspects: "two increases and two controls" supervision and assessment,tax reduction and profit concession,targeted reduction of reserve requirements,strengthening the efforts to resolve non-performing loans,and special business supervision in a specific period,and summarize the current situation of government regulation of credit business of Agricultural Bank of China Suzhou Industrial Park Sub branch through the above analysis.Thirdly,it summarizes the problems and reasons of the government regulation mode of credit business of Agricultural Bank of China Suzhou Industrial Park Sub branch.This paper conducts a questionnaire survey for government regulators,banking practitioners and financial consumers.Through the summary of the questionnaire survey,we can draw a conclusion that the current government regulation of credit business of Agricultural Bank of China Suzhou Industrial Park Sub branch exists: lack of regulatory information communication between regulators,lack of targeted and coordinated regulatory content,excessive external administrative intervention,regulatory conflicts The supervision mode is relatively later,the supervision cost is too high,and the government regulation resources are insufficient;The reasons for the above regulatory problems are analyzed as follows: the structure of the regulatory system is not perfect,which affects the effective communication and coordination between regulatory agencies,the market economy system and the financial regulatory system are not perfect,which cannot meet the requirements of credit supervision,and the regulatory laws and regulations are not perfect,resulting in insufficient regulatory content and comprehensiveness,imperfect internal regulatory mechanism,and shortage of regulatory resources.Finally,in view of the problems in the above analysis,the paper puts forward the optimization countermeasures for government regulation of credit business.First,in terms of improving the regulatory system,three optimization countermeasures are put forward,namely,clarifying the regulatory power and responsibility,clearing up the existing powers,and improving the risk prevention regulatory mechanism;Secondly,in terms of strengthening the construction of internal regulatory risk management system,three optimization countermeasures were proposed to improve the post loan management level,strengthen risk early warning and monitoring,carry out internal control compliance inspection,effectively implement the rectification opinions,and strengthen the real-time health of high-risk customers;Third,in terms of establishing an efficient and orderly coordination and supervision mechanism,two optimization countermeasures are proposed,namely,establishing a municipal industry supervision committee and giving full play to the role of industry associations in coordination and management;The fourth is to strengthen the supervision of scientific and technological means,and put forward two optimization countermeasures,namely,establishing a big data platform for supervision and improving Internet plus technology support;The fifth is to increase the input of regulatory resources,and propose two optimization countermeasures: introducing social resources to improve the regulatory effect,and strengthening government regulation of human resources.