Research On Cross Financial Business And Risk Of Commercial Banks

Under the background of continuous deepening of financial system reform,various financial institutions have developed various innovative financial products and financial services through the continuous cross-integration of business through their own industry advantages.Especially in our country play a leading role in the financial system of commercial Banks,in order to avoid regulatory policy restriction and administrative controls,broaden the profit space,with the trust company,securities companies,insurance companies,agencies,the layout of the capital is widely to all kinds of institutions and markets,conduct across markets and interagency characteristics cross financial business.Cross financial business development to optimize the allocation of resources,the market meets the requirements of customer diversified financing,broaden the commercial bank profit space,contributing to the optimization of the transformation of commercial Banks an important force.However,cross relations between financial business through equity,financing guarantee,business to cross link all kinds of financial institutions,greatly improve the vulnerability of the financial system,to increase the chances of the systemic risk.Therefore,comprehensively and objectively analysis cross financial business of commercial bank,to clarify the mechanism for the formation of cross infection risk,help to control the financial risk reasonably,guide the financial services,virtual to physical to stabilize the financial system in our country.First of all,this article to clarify financial business and operation model as a starting point,defining the cross connotation of the financial business,and will cross the financial business and other concepts,and then combed the cross major financial business operation pattern,and analyze each operation mode to avoid regulatory arbitrage for way.Secondly,from the policy level,money supply,money demand,multi-angle analysis of commercial bank financial business development of commercial Banks to cross,cross through the wealth management products,trade certificates of deposit scale analysis financial business development present situation,and points out that the cross financial business risk with high concentration,strong concealment,correlation degree higher characteristic.Again,on the analysis of the proven commercial bank cross,on the basis of financial risk transmission mechanism,through using medicine SIRS epidemic model,through the establishment of corresponding differential dynamic equation,using Matlab software simulation and analysis in the condition of different financial risk to infectious state of the market,for the risk prevention and control strategy are put forward.Finally,based on the above analysis and research,this paper puts forward specific countermeasures and Suggestions for commercial Banks to deal with cross-financial risks and standardize their business.