Central bank’s supervision on commercial banks’ credit business an exploratory post-epidemic-based research

Tingen Li,Yanting Zhang,Huan Fang,G Kierans,E.H.K Ng,H Liu

doi:10.1051/e3sconf/202123503064

Abstract

The epidemic of COVID-19 broke out, domestic economy suffered a heavy setback, the Central Bank of China launched a series of policies against this backdrop, aiming to stimulate the economy. However, some investors speculate from the loose loans in real estate, which makes the funds policy originally used for stimulating the real economy to be artificially drained into the real estate market, further resulting in the imbalance of social supply. To solve this problem, from the perspective of the central bank and with the use of literature research and other methods, this paper makes research on analyzes the central bank’s credit supervision on commercial banks. Study shows that information collection and monetary policy are the problems with central bank. Through big data technology and monetary policy into the new reference index two angles to try to solve the problem. It aims to effectively strengthen the efficiency and level of central bank’s supervision. Meanwhile it can provide corresponding theories and references for subsequent research. The limitation of this study is that there is no specific application supporting the analysis. Otherwise the paper would be more applicable in practice. Therefore, this problem needs to be further studied and solved.

Highlights

INTRODCUTIONTo analyze central bank's supervision over the credit business of commercial banks, to study a series of measures taken by the central bank in view of economic downturn, it can correctly guide the liquidity funds to flow to the real economy, infiltrating the real economy, and effectively prevent the economic bubble from growing, so that the economy can be effectively stimulated and develop steadily
The epidemic of COVID-19 broke out, domestic economy suffered a heavy setback, the Central Bank of China launched a series of policies against this backdrop, aiming to stimulate the economy
Previous studies on financial supervision mainly focus on policy and mechanism of central bank, on the basis of which, analysis is done to the credit supervision of commercial banks

Summary

INTRODCUTION

To analyze central bank's supervision over the credit business of commercial banks, to study a series of measures taken by the central bank in view of economic downturn, it can correctly guide the liquidity funds to flow to the real economy, infiltrating the real economy, and effectively prevent the economic bubble from growing, so that the economy can be effectively stimulated and develop steadily. Qualitative analysis is used to summarize the literature and data collected, demonstrate the relationship between the central bank supervision and the credit business of commercial banks, and further explore the law of their correlation, which provides convincing references for the following exploratory research. On the basis of the existing data, an exploratory research is done to the central bank's supervision on the credit business of commercial banks so as to clarify the problems existing in central bank's supervision with more accuracy, and have a more comprehensive understanding of the research

LITERATURE REVIEW

Strengthen information processing with the use of big data

Findings

CONCLUSION AND PROSPECT