Research On The Problem Of Risk Prevention Of Commercial Banks "Shadow Banking" Business

The shadow banking system concept from America Pacific Investment management company executive director Maikali first proposed and widely adopted, also known as parallel bank system, which includes banks, hedge funds, money market funds, bonds, insurance companies, investment in structured investment vehicles (SIV) and other non bank financial institutions. The "shadow banking" concept was born in 2007 in the Fed’s annual meeting.With the 2008 outbreak of the global financial crisis, the term "The shadow banks"began to be paid attention to. In our country with the relaxation of financial regulation, a series of financial innovation products continue to emerge, "The shadow banking system" gradually formed in this process. In Chinese "shadow banking" concept has not a clear definition. China Financial Academy of Social Sciences Institute of development director Yi Xianrong had such a definition: "as long as it relates to the lending relationship and bank OBSA both belong to "The shadow banking". With the recent Chinese local debt crisis and trust crisis of solvency surfaced, "The shadow banks" once again become the focus of attention.The development of China’s shadow banking system, and the United States and other finance developed countries the shadow banking system in the development speed, the asset scale, operation mode, there are huge differences in product type, financial regulation, with distinct Chinese characteristics. Commercial banks in the financial system of China occupies the absolute dominant position, and for the rapid development of the shadow banking, commercial bank has played a pivotal role in it, in the variety of shadow banking business are more or less a commercial bank figure. With the commercial banks more for the growing dependence on shadow banking business, the scale of business for more and more proportion of its main business is high, behind the prosperity and development of the gathering is the business risk, such as the integrity of the payment crisis show that commercial banks shadow banking cannot very good between the development and standardization of balance. And the attributes of the shadow banking system of self replication and lead to funds idle in the financial system, and not really into the real economy, a lot of money into the local government financing platform, real estate and other areas of high risk, not only to the development of real economy does not work, helped increase the risk of financial market bubble. In the past two years China’s loose monetary policy bias, encourage industry transformation under the big background have occurred many times "money" event, in the central bank policy adjustment failure under the table is likely because the shadow banking system was the distortion of the current financial market in China, so for China’s shadow banks, especially the commercial bank under the leading of the various types of shadow banking business to sort out and research become very important. At present, Chinese scholars for the study of shadow banks are mostly based on its impact on the macro economy, and through the commercial banks from the perspective of shadow banks point of view but not much.This paper on the "The shadow banking", particularly the basic definition, the commercial bank Chinese shadow banking system form, function and so on, and in the C commercial bank as an example, through the analysis of the operation mode of the shadow banking business, find out the existing problems. Through the above research to find the shadow of commercial banks in China banks in the development of potential risks, and healthy development so that through effective system and norms to guide the shadow banking system, make the stability of the financial market and promote the development of commercial banks in a positive and healthy.