Study Of The Legal Problems Of The Banking Intermediary Business Risk Prevention System

The western major developed countries have released the regulation to the finance industry. The trend of the finance industry development is from separate operation to mixed operation. With the intensification of finance industry competition and strengthening of finance industry reform,"intermediate business"has become the focal point of the commercial banks of China. The rise of intermediate business is an effective way to improve the competition capability of banks.The characteristics of intermediate business are few investment, low risk and high profit. It is major business of western banks and has increased the major profit of western banks. But the risk of intermediate business has been increasing with the creation of the new categories intermediate business. Our banks have not enough experience to deal with the newly emerging risk of intermediate business.To promote the development of intermediate business and protect the development of banking business, banking industry and financial administrative department need to learn about the risk of intermediate business and learn the experience from the western countries. It is good for the intermediate business, banking industry and finance industry. In my paper, I try to analyses the limitation of our country law comparing with the commercial bank law of the United State. The author discusses the method to regulate operation of banks and inter control of banks by law to keep away the risks and execution the system.