Research On The Influence Of Shadow Banking’s Development To Our Country’s Commercial Bank

The fed’s annual meeting in 2007 made people recognize the huge shadow banking system behind the U.S. financial crisis. Since then,scholars both home and abroad started the study on the shadow banking.The shadow banking originated from financial innovation, and shows the characteristics of "direct financing"in our country.Shadow banking’s development in China is at an early stage, but still is one of the potential financial risks which can not be ignored.The Wenzhou areas which erupted the private lending crisis in China made the shadow banking problem that has long been paid attention to more popular this two years.Meanwhile, with increasingly significant financial disintermediation and diversified financing structure, gazing into the bank deposit and lending data has not represent the capital supply and demand situation.Raised from shadow banking in the proportion of social financing scale is rising.Shadow banking and the traditional savings and loan business of commercial bank is in a fierce battle for financial resources.First of all, on the basis of summarizing the scholars’related research results home and abroad,this paper get the specific connotation and denotation of shadow banking by comparing the similarities and differences between shadow banks and traditional Banks, as well as shadow banks home and abroad,in order to make the conception of shadow banking more clear.After that,based on the reality of Chinese economy, we analyze the shadow banking’s background and each constituent parts,also collating and measure the financing product off-balance-sheet,entrusted loans, trust loans, not discount bank acceptance bills of exchange, not scale observation credit to get the total size of our shadow banking.Finally,On the base of the total size of our shadow banking,this paper’s research focus on shadow banking’s development impact on commercial Banks’ earnings and risk from theory and empirical aspects.The research results show that the development of the shadow banking in China will increase the income of the commercial Banks with a time lag effect,but also can increase the comprehensive risk of management.Through the research,This paper found that the current management of the shadow banking in China is more of the trade-off between efficiency and risk,and puts forward relevant suggestions according to the relationship of shadow Banks and commercial Banks in China from the angle of the marketization.we hope make contributions to regulate shadow banking development and give full play to the advantage of shadow banking,and eventually promote the process of financial innovation and push forward the development and perfection of the financial system in our country.