1. Improve the management measures for off-site supervision and standardize off-site supervision. The first is to establish a system of regular visits by supervisors. Supervisors make quantitative and qualitative analysis of off-site supervision data provided by commercial banks through regular visits, complete monthly analysis reports (not just semi-annual supervision reports), and put forward further supervision measures and suggestions for potential crises; The second is to establish an information sharing system. To standardize off-site supervision information from the system, it is necessary to implement unified collection, centralized processing and information sharing, standardize the content, form and requirements of information collection, and standardize the supervision department to release supervision information and daily supervision status to the off-site supervision information platform in time. At the same time, networking with the regulated institutions through the regulatory platform can realize real-time supervision, expand the coverage of supervision, and enable the regulatory authorities to share regulatory information at a wider level. The third is to establish an off-site supervision and dereliction of duty accountability system. It is necessary to improve the work responsibility system of supervisors in all aspects of off-site supervision (including information collection, collation, analysis and regulatory measures taken), have a rigid responsibility restraint mechanism for whether to take effective regulatory measures in time, and establish a supervisory dereliction of duty accountability system for those who fail to take effective measures to control the crisis in time to improve the efficiency of off-site supervision.
2. Establish a scientific supervision system and improve the stability of the supervision system. The first is to establish a hierarchical and sub-institutional off-site supervision index system. Different levels of regulatory agencies should focus on the supervision of branches of commercial banks, so different levels of regulatory index systems should be established according to the actual situation. At the same time, contingent asset-liability crisis and non-credit asset crisis should be included in the off-site supervision index system according to the operating characteristics of different types of banking institutions; The second is to establish a crisis assessment system with crisis analysis model as the key content. China has not yet established a crisis assessment system for commercial banks, which makes banks lack comparison and assessment standards. The author suggests learning from Singapore's rating system, which introduces a new concept of supervision and management on the basis of American camel rating system, which is more suitable for the crisis rating of commercial banks in China. On the basis of foreign crisis rating system, China's regulatory authorities regularly make quantitative analysis and comprehensive rating on the crisis situation of individual banking institutions and the whole banking system, and implement classified supervision according to different rating results of commercial banks in order to save regulatory resources and improve efficiency.
3. Gradually introduce electronic computing technology to improve the level of supervision. The first is to establish an off-site supervision information platform. It is necessary to use computer networks and programs to realize the networking of off-site supervision information collection, and realize the automation of data checking, summary, comparative analysis, inquiry, report management, reporting and crisis early warning; Through the information platform, realize the centralized management and resource sharing of financial institutions' operation management, business management, senior management personnel management, market exit, institutional statements, off-site supervision and daily supervision; Through the off-site supervision and analysis system, the off-site data are summarized and analyzed, so as to realize continuous monitoring, historical trend analysis, comparative analysis of the same industry, structural analysis and crisis quantitative analysis of financial institutions, guide the supervision departments to implement classified supervision of financial institutions, and improve the efficiency and level of supervision. The second is to improve the electronic level of data transmission. In order to improve the information utilization rate of the statistical department and reduce the difference rate of obtaining information from different sources, it is suggested that the regulatory department of the CBRC, the statistical department and the science and technology department jointly study and develop a set of software, so that the regulatory statements of the regulatory department of the CBRC can be generated by the full-subject statements of the statistical department, and the accuracy of the data can be improved. The third is to submit a list of non-performing loans with the help of the credit registration system. It is suggested that the supervision department, statistics department and science and technology department of CBRC jointly develop software to generate a list of non-performing loans from the credit registration system. At the same time, it is necessary to clarify the starting point of a certain amount, and other loans with smaller amounts should be summarized and reported, especially consumer loans, mortgage loans and farmers' loans. Due to the small amount and large number of households, it is suggested to allow classified summary reporting to reduce the workload.
4. Reasonably design the report content to improve the report utilization efficiency. The first is to improve the utilization rate of reports. It is suggested that the supervision department of China Banking Regulatory Commission and the head office of commercial banks jointly study and formulate a set of general operating statistics. In addition, according to the special requirements of the CBRC and the superior bank of commercial banks, several schedules should be added to reduce the workload of commercial banks. The second is to improve the off-site supervision reporting system. The off-site supervision report system should be carefully analyzed, and reasonable working hours should be reserved for reports that are really necessary, and the responsibilities should be determined in the form of system. The regulatory authorities should also improve the stability of the format and content of statements to prevent commercial banks from being at a loss. After careful analysis, the author thinks that the report system required by supervision at this stage urgently needs to include "all subjects" accounting statements (non-statistical statements), income statements and off-site supervision supplementary statements (including capital adequacy ratio calculation table, weighted crisis assets calculation table, non-performing loan statistics table, shareholder loan statistics table, related party loan statistics table and related enterprise loan statistics table).