Analysis Of The Influence Of Shadow Banking System Of China On The Profitability Of Commercial Bank

The most important function of the financial system is gathered social idle funds and prompt it into capital, providing information and risk management tools, and then promote the development of the economy.But the financial system a natural debt management also has the vulnerability, once the capital of the user operation failed, so would have significant social effects, and risk from a transfer to another financial market financial markets, passing from one region to another region, causing even more damage.The shadow banking system operating in a highly leveraged, information opaque factors make shadow banking risk bigger, but the high yield of shadow banking attracts many investors, even the traditional commercial Banks through off-balance- sheet business involved, many financial institutions involved in making the shadow banking system management more complex and opaque, supervision is very difficult.But the shadow banking system will the expansion of the scale of traditional commercial Banks positive or negative impact on profitability?Extent of concrete have how old?In this paper, by comparing the domestic and foreign scholars, perception of the shadow banking and definition, as the shadow is defined by a.System of shadow banking in our country, the connotation, characteristics, scale of operation and can clearly understand the shadow banking system exists a lot of risk, ready for later empirical analysis.And explore the shadow banking risks might affect the approach of commercial Banks and other financial markets work, provide regulatory measures for later, monitor the flow of the shadow banking risk provides the basis.Because of data is difficult to obtain, the empirical analysis of this paper try to design a new index to study the influence of the shadow banking system of commercial bank profitability.Used in the research process of panel data analysis, and through empirical analysis it is concluded that the shadow banking expansion for the traditional commercial bank profitability and there is a lag of conclusion and presents a shadow Banks influence the degree of commercial bank profitability.Finally through comparing the association of financial stability and the United States for shadow banking regulatory approach, combined with the specific situation of the domestic financial market and the trend of financial development, to guard against the shadow banking risk is given, and exert its positive influence, to avoid the negative effect of some policy Suggestions.