China’s Commercial Banks Mixed Operation Risk And Control Research

Based on the perspective of systemic risk Shanghai Pudong Development Bank,through the analysis of current situation bakning and the related business risks,and further analysis of the risks and causes of SPDB when mixed,while Shanghai Pudong Development Bank analyzes the mixed system Effect of risk,so research methods and measures to prevent and Shanghai Pudong Development Bank to avoid systemic risk in mixed case.According to the analysis above Shanghai Pudong Development Bank and China’s commercial banks mixed operation,the basic conclusion is that China’s commercial banks will have mixed systemic risk of commercial banks,which will exacerbate the instability of development of commercial banks;while Shanghai Pudong Development Bank It may produce systemic risk in the process of implementation of mixed future.Thus,for systemic risk arising mixed in Shanghai Pudong Development Bank,adopt appropriate policies and measures to prevent and avoid.On the status of Chinese commercial banks were mixed and Shanghai Pudong Development Bank analysis shows that the degree of commercial bank combination operation increased year by year,business operators watched growing tendency toward mixed.According to the basic annual data net interest margin,cost to income ratio,the proportion of non-interest income and net interest yield of Shanghai Pudong Development Bank and other economic indicators can be seen,Shanghai Pudong Development Bank from 2010 to 2014,Shanghai Pudong Development Bank’s operating income from the original mainly depends on spread income started to change for the diversification of sources of income;and non-interest income accounted for Shanghai Pudong Development Bank from 2010 to 2014 gradually increased,and this upward trend over time is constantly accelerating;Finally,the economic data change indicator indicates the Shanghai Pudong Development Bank began to shift toward mixed by a separate operation mode.Shanghai Pudong Development Bank in a separate operation by a paradigm shift toward mixed,it will encounter a variety of different types of risk.These risks include institutional risk,credit risk is more complex and difficult to predict the risk of the bank’s internal supervision,financial market risk and risk management of commercial banks.With our other commercial banks have the same institutional barriers that the current policy of commercial banks to implement the professional management of commercial banks is still can not develop investment banking business and other financial institutions.With the increase of SPDB different types of risk assets,it is bound to increase the difficulty of monitoring the different types of risk assets.Shanghai Pudong Development Bank in the face of such a complex structure of banking assets at the mixed,the bank’s internal supervision of risks appears to gradually increase.After mixed,the Shanghai Pudong Development Bank to deal with market risks are multiplied,,its financial markets than before,has the more complex features.The continuous development of Shanghai Pudong Development Bank financial innovation,so that operational risks will be gradually showing a "butterfly effect",thus affecting the normal operation of Shanghai Pudong Development Bank to stable development.Shanghai Pudong Development Bank’s business model implemented by a separate operation toward a paradigm shift when mixed,based on the current situation of Mixed Shanghai Pudong Development Bank analysis found will encounter a variety of problems as well as a variety of different risks,so affect the stability of business development of Shanghai Pudong development Bank.Therefore,the lesson to be learned is the need to take effective measures to avoid systemic risk of the commercial bank business model change brings.