Study On The Risks And The Countermeasures Of Commercial Bank’s Shadow Banking Business

In recent years,with the rapid development of our country’s economy and the innovation of financial business and the expanding of investment demand,shadow banks in our country get rapid development.There exist certain degree of difference between the shadow banking system in our country and that in Europe and the United States,shadow banks abroad mainly securities as the core,but shadow banks in our country do not have a high level of securitization because the development of Chinese financial market lags behind.The Chinese shadow banking system provides more of the business of supplementary bank financing and credit liquidity.The participation of the shadow banking system in China is mainly commercial banks which mainly do the shadow banking business.At present,although the Chinese shadow banking risk is in manageable,but we must learn from the lessons of the crisis to promote the financial innovation and identify risks and the implementation of the responsibility at the same time because of the particularity of the shadow banking system.In this context,it is urgent and important to study how to prevent the risk of the shadow banking business of commercial banks.First of all,this paper analyses the present development situation of shadow banking business of commercial banks by using the relevant data,pointing out that there are the following problems:it will influence the practice of monetary policy and weaken the effect of monetary policy;it will influence the stability of the financial system to prone to systemic risk;it will influence the monitoring of financial indicators to lead to externalization of assets in the table.Secondly,this paper illustrates the shadow banking business of commercial bank may affect the risk of commercial bank management activity type and nature which mainly includes market risk,liquidity risk,reputation risk,compliance risk,risk of regulatory arbitrage and so on,and analyzes the risk is from leverage operation,pro-cyclical effect,the incompleteness of supervision system,unreasonable deadline mismatch,the incomplete transfer of credit risk,etc.Again,based on the analysis of proven and the cause of shadow banking risk in commercial bank,this paper further clarify Chinese merchants bank,shadow banking risk and protection experience of existence through Chinese merchants bank financial product and asset securitization product case.Finally,this paper puts forward specific countermeasures such as perfecting the monitoring and regulation of commercial banks to shadow banking system,establish a separate shadow banking business of commercial bank risk management system,improve the commercial banks to shadow banking information transparency,the reasonable guide commercial banks to shadow banking standardization development,strengthen the consciousness of participants from shadow banking business of commercialbank investment and so on in order to promote the commercial banks to conduct a comprehensive risk management and sustainable development in response to the shadow banking business of commercial bank risk.In this paper,the significance of the study is to understand relevant situation of modern financial markets and financial institutions through the study of shadow banks from one side,on the other hand,it has practical significance for the development of financial innovation theory.It is helpful to improve the risk management theory and the theory of financial regulation based on the research of the shadow banking business of commercial bank risk.The innovation of this article is to analyze the risk of the shadow banking business of commercial banks and their measures by introducing a typical case.