Research On Safety Of Chinese Commercial Banks In Transition

In recent years, China has entered the deep water area of reform, economic restructuring and the transformation and upgrading of the pressure doubled, the reform of the financial system is also facing many challenges. In the "new normal", "supply-side reform" in the background, the whole society should be better grasp of the relationship between commercial banks and the real economy, good top-level design, identify the location, improve the security of commercial banks, the realization of China’s commercial banks healthy development.From the 2008 world financial crisis, the financial crisis originated in almost every commercial bank, losses caused by the crisis are also greater, after painful lesson let people attach commercial banks security is greatly improved. China’s commercial banks mainly larger proportion of indirect financing, banking and other aspects of economic life in-depth contact, safe operation of commercial banks is particularly critical. Firstly, understand the basis of previous studies, it defines the contact commercial banks to define the scope and the safety of different expressions between commercial banks and security features to determine the research objectives of this paper, and then be analyzed factors. In the various factors that affect the safety of the commercial banks, the paper according to the length of time it is divided into short-term factors and long-term factors, criteria for the classification of one year. Short-term factors include operational safety, credit security, mobility security, interest rate security, currency security, these short-term factors have rapid development, is strongly influenced by the role of aging short features, while short-term factors easily reflected in the bank’s financial statements, at the same time they contact each other, such as flowability security problems are often integrated form of various other factors. With the reform and development of commercial banks, because of operational security concealed, the loss of a single larger object and became a focus of the bank, but also because of the credit safety downward economic environment face more risk.In the longer term, this article from the construction of the financial system, the effectiveness of the corporate governance structure of commercial banks, commercial banks operating homogenization brought by excessive competition, local financing platform security, real estate and banks close relationship, shadow banking and Table analyze business outside security issues, external competitive pressures, financial disintermediation caused by security, financial innovation and commercial Bank security. These factors do not affect the safety of the reaction in the bank’s annual financial statements, affecting the security of commercial banks from the origin, and has slow and deep-rooted tendency, some with strong Chinese characteristics of color, these factors affect the commercial banks in China’s modernization process, but also China’s commercial banks in order to become a century-old stumbling block. This paper focuses on the long-term factors for Commercial Banks. And put forward a strategy to deal with commercial banks:on the one hand, improve the construction of China’s financial system, sound infrastructure and regulatory mechanisms, to optimize the organizational system of commercial banks, and promote multi-level differences in the development of commercial banks, commercial banks restructuring and development to provide a favorable environment and market mechanism, give full play to the external driving force; on the other hand, commercial banks themselves should take the initiative to adapt to changes in the external environment and conditions, and actively seeking hole differences in the development of the road system of governance reform, and thus play a good role in the financial support and services to the real economy, reform and development, while achieving their sustainable development.At the same time put forward the corresponding strategy also focuses on the operational safety and security of the credit segment trends entry of commercial banks, commercial banks so that employees can accurately grasp the trend of different security products or business lines, for the transition period commercial banks have a full understanding of security.