Abstract
Financial supervision and financial innovation of commercial banks are the two eternal themes of modern financial development, the research of relationship between financial supervision and innovation has become the focus of financial sector research. Based on the study of financial supervision and innovation index of commercial banks, this paper establishes a coupling model for financial supervision and innovation of commercial banks and conducts an empirical research based on data contained annual reports of commercial banks listed in the form of A Shares, with results showing that financial supervision and innovation of domestic listed commercial banks are at the stage of moderate coupling, upon which relevant suggestions are concluded.
Highlights
In broad sense, financial supervision of commercial bank refers to supervision on commercial bank and relevant shareholders, directors, affiliated person and other subjects from government supervisory authorities, banking self-regulatory organizations, social intermediary organizations and other commercial bank supervision subjects
Financial supervision of commercial bank refers to supervision on commercial bank from banking supervisory subjects, which is the theme in this work
Financial innovation of commercial bank refers to all banking innovative activities in financial fields of products, market, system, etc., while in narrow sense, it refers to innovation in financial products and business of commercial bank, which is the theme in this work
Summary
Financial supervision of commercial bank refers to supervision on commercial bank and relevant shareholders, directors, affiliated person and other subjects from government supervisory authorities, banking self-regulatory organizations, social intermediary organizations and other commercial bank supervision subjects. This work makes empirical analysis on the interaction effects and puts forward relevant suggestions for promoting coupling development according to data of commercial banks listed as A-stock in recent years. Financial supervision has to innovate the supervision in order to adapt endless financial innovation by commercial banks, from institution supervision to function supervision, from capital supervision to comprehensive risk supervision, from external to internal control system enhancement, etc. The result for dynamic game evolvement of both financial supervision and financial innovation of commercial banks is driving the development of both to form a coupling relationship of mutual promotion. Financial supervision and financial innovation of commercial banks may jointly develop with time by cause coupling, game coupling and coupling mechanism of mutual promotion. Coupling Theory and Model of Financial Supervision and Financial Innovation of Commercial Banks
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