Prevention Of County-Level Government Financing Business Risk In Commercial Banks

County economy is a vital pillar of economic development in China.It is of great practical significance to solve the problem of grass-roots employment,promote the progress of science and technology at the grass-roots level,and improve the material and cultural living standards of the residents.Since the implementation of tax sharing reform in China in 1994,the financing business of county-level governments has developed rapidly,which has laid a strong fund guarantee for the development of local economy.Under the new normal background,the development of county real economy is difficult in China.Commercial banks gradually reduce the loans to small and medium-sized private enterprises in order to avoid risks and maintain a continuous profit source.The government financing business loan is the main business development direction.However,the government financing business is guaranteed by the government,and government financing business is faced with new risks.In this paper,the risks were analyzed,and corresponding policy recommendations were put forward,which has significant practical value and significance.At present,domestic and foreign scholars have studied the business risks of commercial banks more deeply.Many scholars have put forward corresponding policy suggestions combined with the risks of commercial banks loans.However,the research on the risk of commercial banks in the government platform financing is not in-depth.Through literature research,field investigation and empirical research,on the basis of expounding the relevant theories of government financing to promote the development of county economy,the historical background,new characteristics,business scale,structure,mode and so on of the government financing business of commercial banks were analyzed.The policy risk,the government credit risk,the loan centrality risk,the market risk were studied.By the methods of expert consultation,AHP and fuzzy mathematics evaluation,five first-class indexes and eighteen second-level indexes were designed to measure the risk of a commercial bank government platform financing business.It is believed that the rapid development of government platform financing business of commercial banks not only promotes the local economic growth,but also brings huge pressure on the government to repay its debts,which can easily generate the bilateral risks between the government and the banks.It restricts the development of the real economy,especially the small and medium-sized private enterprises,and increases the financial risk of the market.Finally,from the five aspects of paying close attention to the local government finance of the financier,avoiding the centralized credit granting,allocating credit resources rationally,strengthening the internal management and avoiding the policy risk,the paper puts forward the policy suggestions on how to prevent the risk of the financing business of the government platform of the commercial bank.To ensure sustained,healthy and stable development of the county economy.