金融监管体系改革对商业银行的影响及对策

Effect of Financial Supervision System Reform on Commercial Banks and Countermeasures

中国银行业监督管理委员会的成立，标志着我国银行监管体制的重大变革已进入具体实施阶段，银监会今后将加大对商业银行的监管力度和频度，这必将对商业银行的经营产生深刻的影响。在新的金融监管形势下，商业银行应按照有效监管的要求，达到合规经营和风险防范的长效管理，实现可持续发展。本文从分析我国现行的金融监管体制和商业银行现状入手，指出了金融监管体系改革对商业银行的影响并提出了相应的对策。

The establishment of China Banking Regulatory Commission(CBRC)marked that the reformationof Chinese banking supervision system has entered enforcement stage.CBRC will enhance the supervisionover commercial banks in the future,which must deeply influence the operation of commercial banks.Underthe new financial supervisory circumstances,commercial banks should keep sustainable developmentaccording to the demand of effective supervision.The article first analyzes the present Chinese financialsupervisory mechanism and the present situation of commercial banks.Then it points out the effect of thereformation of financial supervisory system on commercial banks and countermeasures have been broughtforward on the foundation of the relevant analysis in the preceding part of the article.