The Research On The Shadow Bank Of Its Operation Mode In Commercial Bank System Of China

the subprime crisis brought the concept of "shadow banking" into the public view, forthe United States, shadow banking both contributed to the prosperity of the economyand also eventually became a key factor causing the subprime crisis, Its importantexistence makes it an unavoidable area in the efforts of governments to stabilize thefinancial system and economic development.Due to the influence of subprime mortgage crisis, Chinese government have enforcedpositive fiscal policy and lenient monetary policy. Under this condition, commercialbanks have expanded credit loans, resulting in adequate monetary liquidity and greatdemand of investment. However, this leads to an increase in CPI. With the gradualimprovement of economic development, Chinese monetary policy also restores tostability. The increase of the deposit reserve ratio and the benchmark interest rate ofloans and deposits leads to great challenge for commercial banks to attract deposits.Besides, the strict control over loan-to-deposit ratio by the supervision institutionplaces a huge constraint on the availability of commercial banks and reduces theirprofit margins. At this time, shadow banking system becomes an important way tosolve financial liquidity problems. shadow banking within the commercial bankingsystem is the major of Chinese shadow banking system. this assay focuses onanalyzing the problems, causes and the influence existing in the running mode, andbased on the objective reality of our country, put forward further Regulatorysuggestions on the operation mode of shadow banking in commercial bank system,making shadow Banks can give full play to its beneficial effect, which will makeshadow Banks become the perfect complement for commercial Banks, promote thedevelopment of financial markets and the economy in our country.