The Research On Business Innovation And Risk Regulation Of Commercial Bank Of China

The commercial banks are the most important part of financial system of China, their development quality is directly connected with the development quality of the whole financial system. Therefore, it is a important research subject that how to promote the commercial banks developing in the rapid and healthy way. At the end of year 2006, the market will completely open to the foreign banks. Facing the heavy competition stress of the foreign banks and the increasing requirement of the economy, strengthening financial innovation has to be done for Chinese commercial banks, which has become the general viewpoint of all. And financial business innovation is the core and home of all financial innovation, which has got people's more and more concerns too.In recent years, the innovation environment of the banks is being improved continually, and the innovations are also in activity. But, as a whole, it is still at the primary stage of development, which is far from the commercial banks of the developed countries. Meanwhile, the innovational history of foreign banks also proves that while it enhances the efficiency of bank, it also shall increase the risks of bank, and the validity to the monetary policy of Central Bank and ability to supervise of supervision authorities are both proposed severe challenge. Because of this, this text is devoted to studying current situation, risk and supervision problem of financial business innovation of commercial bank of our country, hoping be able to be helpful to promote the financial business innovation of commercial bank of our country developing in the rapid and healthy way.The full text is divided into four chapters altogether. Chapter 1 analyses mainly the supply and demand change of the business innovation of commercial bank of our country in the new development period of economy and finance. At the part of business demand, the demand of the capital, international business, intermediate business of enterprises increase; The public institutions pay attention to the security of the money, needing more convenient and more swift service in revenue and expenditure; the personal financial consciousness improves to some extent, and the demand of management of personal money is increasing, and the demand for the consumptive credit increases very fast too. At the part of business supply, the competition pressure between the bank, non-banking financial institution and the financial market gives innovate power; The change of supervise environment has improved, which offers the comparatively loose atmosphere; Technologicalinfrastructure construction has also improved, which offers the comparatively solid material base. Though there are still some bad factors, as a whwle, the macroscopic and microscopic environment of business innovation of commercial bank of our country are both improved obviously. It can be believed that our country is entering into the climax period for business innovation.Chapter 2 mainly summarizes the practice of business innovation of commercial bank in our country. For the current situation, in recent years, especially since the year of 2002, the financial business innovation of commercial bank has made very great progress, but as a whole, it is still in the primary stage of development, and there is still large disparity with the commerce bank of developed country. It also exist some questions. If analyze it further, we will find that the bank innovation demonstrates four characteristics: The innovation subject changes; business innovation begins to tum to the business of the assets and intermediate business more; business innovation is further close to the cash flow of the customer; The bank begins to seek to increase the liquidity of the assets. As to future development of financial business innovation, firstly, we analyze the future development trend of innovation, shown as mainly: different financial businesses being mixed, more outside -form business being developed, financial business being more securitized, financial product being high at the compe...