Risk Of Non-bank Financial Institutions Dispose Of Research

In recent years, the disposition of risky non-bank financial institution has become one of the most important contents of risk prevention and resolution for China financial industry.The thesis makes quantitative and qualitative analysis from the specific to the general to introduce the existed system of non-bank financial institution, and it points out that the motivation of establishing non-bank financial is the desire of local government and special administrative departments to get the control on capital. China's non-bank financial institutions resemble with banks and its capital resource and operation in practice do not differ from what of the banks in essence. Thus the negative externalities of non-bank financial institutions are as well as or even greater than that of banks. Moreover, because of the localization and relative minor scales, the non-bank financial institutions have more possibilities to involve in risks more frequently than banks. Based on the review of the process during which the non-bank financial institution risks produce, the thesis propose that the risks of non-bank financial institutions are mostly systematic risks, to prevent which should focus on the depth of economic and financial system reform to address the incremental risk and resolve the risks in the development. The thesis also analyzes the characters of risks of non-bank financial institutions and suggests that the judgment on risky institution should be made according too its behavioral characters and abnormal indices. In addition, the author designs the specific risk evaluation model by mathematic means.In the last part of the thesis, the author emphasizes the risk deposition strategies on non-bank financial institutions, which include re-organizing institution and retreat ion from the market. Combined with a summary of risk deposition strategies and their feathers, the specific cases are used to analyze the applicable conditions of institution re-organization and marker retreat. The thesis refers that in view of its high negative externalities, the cost of compelling non-bank financial institution to retreat from the marker is increasing so that the deposition strategy shall be mainly eyed on the institution re-organization to at most reduce the effect of negative externalities and save the deposition cost. In the end, the author makes some suggestions on how toregulate China's non-bank financial institutions further.