Research On Early Warning And Control Of Intermediary Business Risk In Commercial Banks

With the full liberalization of financial industry, financial market competition is becoming increasingly fierce. In recent years, more and more Banks began to vigorously develop intermediary business.The intermediary business product range,intermediate business services range got a larger degree of expansion and ascension.Intermediate business implementation of non-interest income become an important source of revenue and net profit growth. however, Intermediary business for commercial Banks is a "double-edged sword". The intermediate business increases the risk of bank while it brings excess profits.Therefore,in the process of the intermediate business in commercial Banks, how to correctly analyze the risk of intermediary business and take effective measures to prevent the problem need to be addressed.On the basis of the literature and field research, this paper expounds the relevant theories of intermediary business of commercial bank risk, and identify 25 key factors which affects the risk of commercial bank intermediary business. These factors summarized as the intermediary business of commercial bank risk early warning model.Through the way of analytic hierarchy process(ahp) and fuzzy evaluation method(with analytic hierarchy process(ahp) to determine the index weights, with fuzzy evaluation method to evaluate) determine the intermediary business of commercial bank risk early warning model. Later, choose × × bank as samples,and verify the early warning model with the sample data.It is concluded that ×× bank intermediary business risk level at normal levels. Finally found that the bank in the intermediary business risk prevention and control is insufficient, targeted Suggestions are put forward based on these deficiencies. Those suggestions include perfecting business system of laws and regulations,establishing a good credit system, strengthening the supervision authorities guidance and supervision of intermediary business, improving intermediary business industry standardization,perfecting the intermediary business risk management indicators which can be quantified, standardizing intermediary business operation process,etc.