An Empirical Study Of The Influence Of Inter-bank Business On Commercial Banks' Risk

In the fierce competition of banks in recent years,the inter-bank business has evolved from liquidity tools that regulate short-term positions to profit growth points,and has grown rapidly,but it also conceals great risks.From the data about stock-listed commercial bank,before the regulatory policy introduced in 2014,inter-bank business continued to rise.After 2014,business growth is slowing down and its structure is becoming rationalization.This paper uses the data of 11 commercial banks,chooses Z-score as the agency variable of bank risk,and uses the proportion of inter-bank assets and the proportion of inter-bank debt as explanatory variables to examine the impact of inter-bank business on commercial bank risk.The results show that: the inter-bank business and the risk of banks have positive correlation,this shows that inter-bank business have bad impact on bank risk.This paper introduces the policy variables to research after the introduction of regulatory policies whether the risk of commercial banks has changed,the results show that the regulatory variable has good impact on the risk of commercial banks,the introduction of regulatory policies helps to reduce the risk of commercial banks,the regulatory policy plays a role.