加入wto后我国银行监管面临的问题与对策

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1、theinspectionbutalsogiveanearlyalarmfromafterwardproblems．Finally,wehavetocarryotiteffective25CorePrinciplesofbankingsupervisionand，furthermore，impelitsinternationalization．Becauseofchangeofintemationalbankingindustryandbankingsupervisionsince90s，thenewBaselAgreementcRnleou

2、t．Itcontainsthreemajorparts’’Minimul'ncapitalrequirement,andSupenisoryleviewofcapitaladequacy,andMarketdiscipline“．Thenewagreementhasdemonstrateddevelopmenttrendofinternationalbankingsupervision，whichisimportantforUStoimprovebankingsupervisionundermarketeconomyinChina．Wenee

3、dtoidentifydifferencesamongbanks，andmonitorandmanagethemseparatelybasedontheirdetails．Weneedtoanalyzeriskcomprehensivelyandbepreparedforanyrisks．Furthermore，weneedtosetupaninternalriskmodel，whichcombinesexternalsupervisionandinternalriskmanagement．Chinesebankingsupervisions

4、ystemhasbeenfacingsomedifficultiesfromentryofWTO．Basedonanalysisofinternationalbankingsupervision，IbelievefollowingtenaspectsareimportantforimprovementofChinesebankingsupervisionsystemtofacechallengeofWTO．First，wehavetosetupaneffectivesystemforbankingsupervision．Second，weha

5、vetostrengthenlegislationandlawenforcementonbankingsupervision．Weneedtoconstantlyreviseexistingfinanciallegalsystemwithsupplement，compilewithtrendofinternationaldevelopmentandbecompatiblewithintemationalpractice．Third，wehavetobuildastrongfinancialprotectionsystem：Weneedtoen

6、surenationalfinancesecuritybyenhancingforeignexchangecontrol，preventingexceedingforeigncapital，andtacklinganyjntemationalcrimesonmonetaryactivities．Fourth，weneedtochangetraditionalconceptofbankingsupervisionandimproveitsefficiency．Fifth，wemustsupportnon—discriminationprinci

7、pleandconductafairmanagementwithoutdiscrimination．Sixth，3weneedtokeepreducingtheoperationalriskofdomesticbank，andenhancingthecompetitiveabilitiesofchinesefinancialorganizations．Seventh，weneedtoincreasethetransparencyofriskmanagementandsupervision，graduallyadaptthetransparen

8、cyprinciple，andenhancethetransparencyonfinancialorganizationsandbankingsupervision