The Study Of Legal Regulation Of China's Commercial Bank's Intermediary Business Risk

With the financial innovation and Finance Globalization, intermediary business is developing. In modern commercial bank, intermediary business is important of asset business and liability business, which is also a major source of profit. But because of intermediary business is not shown in the balance sheet, the risk that brings is more implicate. And the discernment, computation and control of the risk are more difficult.The well-developed foreign intermediary is closely to the perfect of legislation and standard system, adequate information disclosure system and good internal control system. At present, whether at the theoretical level or in the practical operation, the development of China's commercial banks'intermediary business are both behind the Western countries. Moreover, the legislation about it lags behind. How to prevent intermediary business risks become a major bottleneck to the development of China's commercial banks. The identification, measurement and control of intermediate business is significant to commercial banks. The risks of intermediary business is more implicate, more difficult to identify. Moreover, with the In-depth of financial globalization, the bank's systemic risk will also spread over the whole world, and the 2008 world's financial crisis is a good example. How to seize the financial regulation and financial innovation is a difficult problem which the national regulatory authorities face.At first, the article introduces the concept of the intermediary business. Then the article analysis the meaning of the intermediary business, the kinds of intermediary business and their features. Moreover, the article introduces the advanced experience of foreign Regulatory Authority to the risk of the intermediary business. At last, related to the status quo of our intermediary business, the article put forward some proposals to the development of intermediary business from the Institutional Approach.