| In recent years, the shadow banking development in China very quickly, to a certain extent make up for the deficiency of the commercial banking business, and through market competition makes commercial banks continue to carry on business innovation, so as to improve the commercial bank as financial intermediary business income. But at the same time, the shadow banks to avoid the state of the financial market regulation, also through a variety of ways to reduce the efficiency of financial resource allocation, amplifying the system risk in commercial banks, and there have all kinds of connections with the effects of the liquidity risk of commercial banks.This paper expounds the definition of shadow banks and commercial banks liquidity risk of the two, systematically describes the causes, types and characteristics of shadow banks, and liquidity risk of commercial bank index, cause and characteristics, a comprehensive analysis of the impact of the banking business, trust business, loan business and private financial shadow banking the business of commercial bank liquidity risk, and by 2013 the real case of Societe Generale Bank Liquidity crisis analysis, and lists the Industrial and Commercial Bank of "Lingtong express ultra short term" financial products, in the trustee "sincerity to gold open No.1" trust project, sunny finance and song group entrust loan case, the shadow banks most incisive influence on commercial bank liquidity risk to show up.Liquidity risk in commercial bank, this paper from commercial banks and shadow banks to these two different angles, liquidity risk, to study how to prevent commercial banks, and put forward some feasible risk prevention measures and suggestions from the concrete operational level, build up a multi dimension, omnidirectional, three-dimensional commercial bank liquidity risk prevention system, expecting to provide a useful reference for regulators and commercial banks liquidity risk prevention work. |
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