Analysis Of The Main Factors Of Banking Systemic Risk

Since the 1990s, researched on currency, banking and financial market, the economy has become the most exciting disciplines in the areas. Rapidly changing financial markets, financial instruments with each passing day, the world economy and financial integration of the growing trend of global economic development has played a great role in promoting. At the same time, financial operation risks in the process of constantly increasing, and the frequent outbreak of the financial crisis. From the 1992 European currency crisis, the 1994 Mexican financial crisis, triggered in 1997 by Thailand's financial crisis in Southeast Asia, its degree of depth, the spread of broad, far greater than previously expected, many countries have not yet covered over the emerge of the crisis. It can be said that the 1990s economic development of the financial period, but also the outbreak of the financial crisis of the times. Now, in order to effectively guard against and defuse financial risks, and curb the occurrence of financial crisis, countries in the world has never been more concerned about the safety of the financial sector.China's financial and monetary situation at home and abroad in recent years has been a hot spot of concern. Economic theory circles generally believe that China's current economic operation mechanism lurking in the larger financial risks, it was only because of China's special only to the financial system in the Southeast Asian financial crisis survived, but the unreasonable economic structure, low efficiency of enterprises, large quantities of Bad bank loans and stock market bubble of the expansion, and so on, have constituted a hidden danger in China's financial risks. How to strengthen the supervision on the financial markets, effectively prevent and resolve financial crises in order to ensure the outbreak of the state of security in the macroeconomic environment and development, China's economic theory and practice of industry sectors facing a major issue.Without considering external factors and financial asset price volatility of the circumstances, we can generally consider that the financial systemic risk was mainly due to the financial system and the inherent instability of the inherent instability of the banks arising from. In fact, this is also the banks in the financial system in an important position by the decision. Countries in the world financial crisis in the history tells us that many of the financial crisis stems from the outbreak are some of the collapse of financial intermediaries, financial intermediaries in the financial turbulence in the inherent vulnerability tend to make the local financial market disturbances evolve into a comprehensive financial crisis . By financial intermediaries with the inherent vulnerability of the financial and accumulation constitute a major aspect of systemic risk, and in all types of financial intermediaries, banks are the most basic and most important, and it is most likely to trigger a systemic risk sector. For banks with the inherent vulnerability, we can lower the quality of assets, profitability and assets less than the mobility of a lack of perspective.This thesis divides financial risks into two parts: systematic risk and non-systematic risk. According to the quotas in some successful early-warning systems,and by means of deep analysis of national financial risk's generative mechanism and conductive mechanism,the paper designs its quotas system,measuring model andearly warning model,and make a further reference for the quantitative analysis of financial risk. Through refinement of liquidity risk indicators constitute the target, through regression analysis method to identify affect the banking system-the main risk factors and how they played a role in financial systemic risk.According to related statistics, in the last 15 years,from 1980 to 1995,The International Monetary Fund's 181 members of the 133 members are at different stages experienced one or more serious problems in the banking industry or the banking crisis, many of which also Further led to a systemic financial crisis. Therefore, in order to maintain the stability of the entire financial system, which is very important that the bank is to carry out effective supervision. This is precisely this concern one of the priorities. In view of China's banking system is very fragile, and, with the continuous deepening of financial reforms and market-oriented economy the continuous improvement of our country there will be more different forms of ownership of the bank, the banking industry will become more intense competition, operating risks Will gradually increase. If not effectively resolved, as its continued development and accumulation of financial systemic risks will continue to increase, eventually could lead to the outbreak of financial crisis. So, drawing on international experience of China's banking sector to enhance the effective supervision of the stability of the financial system has important practical significance.