The Legal Regulations Of The Intermediary Business Risk Prevention In Commercial Banks

Since 1980s,accompanied with the development of capital market as well as the increasing of financial innovations,also along with the intensifying financial competition,and the deeper financial reform,the income from the commercial banks'orthodox businesses has gradually diminished.Meanwhile,the margin of the deposit and loan business is decreasing steadily, more complex. Consequently, intermediary business has day by day become the commercial banks'stress of development and the key point of the profits'increasing.In the meantime,it's also an effect way of enhancing the competitive strength of our commercial banks.However,the risk caused by the intermediary business has become increasingly noticeable together with the widening variety of the business.For this reason,to develop the domestic commercial bank's intermediary business,on one hand,we need to refresh our mind,encourage creativity, and make positive expansions;on the other hand,we must take the related risks seriously,and take all kinds of measures to restrain them.In our state,people lack enough attention to the risk as considering it as a pretty low one,and the experience of preventing risks is deficient.Especially in the usage of legal means to take control,due to the hysteresis of relative laws,problems there are particularly severe.In order to prevent the risk of intermediary business effectively,and promote our commercial banks'healthy development,we must do research on the present conditions,and reference abroad banks'experience.At the same time,we must strengthen the subject of commercial banks'intermediary business supervision,and establish the supervision mode mainly in function-based supervisions well as has the advantages of institution-based supervision and goal-based supervision.In addition,we should unify he standard of accounting system,and improve the internal control system and risk prevention system of financial innovation.Simultaneously,we must establish the intermediary business legal argumentation system and risk relief system.Further more,we must control the risks of commercial banks'intermediary business at a minimum limit.The legal regulations of the intermediary business risk prevention in commercial banks are integrated and complex system,which should be improved in many aspects.