英语论文网

atible regulatory philosophy, in the New Basel Capital Accord has been well represented , for example, the new Capital Accord provides for financial institutions to choose the difficulty of different risk management system , while those who choose more difficult financial institutions risk management system , they generally need to be configured to be less capital and thus competition in the financial market more active . In the new Basel framework, financial institutions internal risk management framework in the selection with greater autonomy and flexibility , but also according to different regulators of financial institutions complexity of the business , management, operating results to determine the different regulatory requirements , so as to improve the efficiency of regulation to create the conditions . At present, the relevant legislation did not reflect the incentive compatible regulatory philosophy . Regulatory authorities should convert ideas, legislative and regulatory enforcement in the regulatory process should be fully taken into account and be improved.

China's commercial banks in improving the process of information disclosure system , the regulatory authorities should pay attention to norm -looking , fully taking into account the latest international trends, in order to maintain a certain advance, to avoid blindly follow the trend , and always in a backward situation. As more and more attention in recent years, the Basel market risk and operational risk , increasing emphasis on the role of the internal system , we should also relevant in the information disclosure requirements specification to focus more on the internal system description and evaluation. In addition , the rule is not merely a problem of information disclosure , but also reflects the monetary authorities of regulatory strategies , regulatory policy ideas and dynamic . We can choose our current relatively urgent , important aspects , such as the internal credit risk management techniques , there are destinations require the disclosure of information regarding the current move closer to international practices , promote the appropriate banking and technology development, and gradually bring along the other improved aspects .

Uniform disclosure standards have comparable information is disclosed an important guarantee . Given our country commercial bank information disclosure norms scattered numerous laws and regulations , I believe that China Banking Regulatory Commission is necessary to develop a uniform commercial bank information disclosure guidelines . Guidelines should learn from the practice of the HKMA , as much detail as specifically required disclosure items, format and methods of information disclosure to commercial banks when conducting a unified clear operational guidelines to enhance the comparability of different banks to disclose information , but also avoid commercial banks by law and conflict avoid duplication of information disclosure obligations, and is conducive to the commercial bank regulatory authorities to regulate the disclosure of information .

Commercial banking is a special financial sector , maintaining the security of the banking system , effective supervision is important realistic significance . China's commercial banks risk regulation has just started, is still in the exploratory stage, in practice there are still many problems. China's current commercial bank risk regulatory re本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。