Ensuring The Efficiency Of Financial Supervision Through Fee-Based Systems: A Comparative Approach

The article examines the role of banking supervision from a new perspective, shaped by the increasingly volatile and complex nature of financial services. Unlike most existing studies, which predominantly focus on compliance or prudential rules, this article highlights the need to transition from compliance-based banking supervision to a proactive supervisory framework that can anticipate shocks. It contributes to the scientific literature on banking supervision by redefining supervision not merely as a regulatory obligation but as a strategic investment in the long-term sustainability of the banking sector. A key innovation of the article lies in linking supervisory efficiency with sustainable funding mechanisms, qualified human capital, and technological innovation. While these elements are often discussed separately in the literature, they are rarely integrated into a comprehensive analysis. The article examines the experiences of various countries in financing banking supervision activities and assesses their impact on institutional efficiency. The study offers a new analytical perspective on how sustainable funding enhances institutional independence, strengthens resilience, and promotes economic growth. This approach opens new avenues for rethinking how supervision should be designed to remain effective in an increasingly complex financial environment.