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gulations are mainly " Banking Supervision Law ", " People's Bank of China Law" and " Commercial Bank Law ", which three commercial banking supervision law is the core of the legal system . Among them, in 2003 through the " Banking Regulatory Law" , established the China Banking Regulatory Commission , the banking supervisory body of the legal status for the first time in legal form recognized risk regulation , a clear concept of comprehensive risk monitoring . The law on banking supervision and management objectives have been adjusted , a clear purpose to strengthen risk monitoring , and also authorized CBRC banking financial institutions shall comply with the principle of prudent management , the establishment of a banking financial institution supervision rating system and risk warning mechanism . In addition to the provisions of the law focus on the use of market forces on the risk profile of banking institutions to supervise the banking institutions to regulate disclosure of information to the public .

Bank risk management is a systematic project, it needs to work closely with other factors , we can truly achieve the purpose of effectively reducing the risks of banks . Why foreign commercial banks can do better risk management , an important reason is that they have a sound and effective risk management mechanisms. However, in the Chinese commercial banking, risk management mechanism is widespread missing , specifically in the risk management system is not perfect , the system can not be resolutely implemented, monitoring mechanisms are not effective . First, from the outside , the overall perspective, the legal system is not perfect , risk monitoring information systems is not reasonable , there is no efficient financial risk early warning system. Second, from the inside , the individual 's perspective, corporate governance mechanisms are inadequate , internal risk control system is not perfect , market discipline is not in place . First of all, China is now the case that the real supply and demand based on market information subject not yet clear, the lack of effective information disclosure commercial bank market discipline . Secondly, from the information supply point of view, even if the information supplied listed banks in all commercial banks is optimal, but it still exists on the banks of any risk to non-disclosure issue. Relative to the listed banks , unlisted banks supply information supply problem is more prominent. Again, from the information needs of view, China's investment decisions require creditors , investors , etc. for the use of information -based market motivation is not strong , the effect is not good, this is due to supply problems also affect the information as well as our equity market , money market and capital market is still not mature enough cause.

Of modern commercial banking system has not yet been established, the modern corporate governance structure of the fundamental problems to be further addressed , the implementation of an effective risk management system as well as the necessary legal market regulation systems also need further improvement. In contrast western countries commercial banks in risk management experience, we can see that foreign banks are generally in accordance with the strict legal joint-stock commercial banks, which regulate the operation , with a sound system of property rights and an effective incentive and