风险管理 第八章（Risk management eighth chapters）.docVIP

风险管理 第八章（Risk management eighth chapters） The eighth chapter is banking supervision and market restriction 8.1 banking regulation Banking supervision is the supervision and management behavior led by the government, the implementation of the regulatory authorities through the formulation of laws, regulations and rules, supervision and inspection, to promote the safety and stability of the financial system, effectively protecting the interests of depositors. The necessity of banking supervision can be summarized as the following five aspects: First, the theory of public nature. Two is the theory of conflict of interest. Three is the theory of creditors rights protection. Four is the bank risk theory Five is moderate competition theory The development of banking supervision concept has been continuously improved with the development of the economy and the banking industry. 8.1.1 content of banking supervision 1. objectives and principles of banking supervision (1) the goal of banking supervision; The goal of Chinas banking supervision and administration is to promote the legitimate and stable operation of the banking industry and to maintain public confidence in the banking sector. Chinese after the establishment of the CBRC, summarizes the domestic and foreign banking supervision experience is put forward on the four specific objectives of banking supervision: one is through Prudential and effective supervision, the protection of depositors and the financial interests of consumers; two is through Prudential and effective supervision, to enhance market confidence; three is through financial knowledge finance, publicity and education work and the disclosure of relevant information, enhance public understanding of modern finance; four is to reduce financial crime, maintain financial stability. (2) basic principles of banking supervision; Principle of law; Open principle Justice principle Efficiency principle (3) the concept and standard of banking supervision Supervisio