The Analysis Of Bank's Non-Standard Credit Assets Business Mode And Risk

The development of non-standard business in China's commercial banks started in2008,and its scale and speed have been improved rapidly in recent years.Nonstandard business,as one of the innovations of commercial banks in China,has activated the financial market and promoted the initiative of commercial banks to a certain extent.But it also exposes many risks and problems in the development process.PressureFirst of all,this paper studies the three main modes of non standard business of GZ bank,namely,the mode of beneficiary right of transferred information management trust,the pattern of entrusted investment in the same industry and the mode of T+D of trust beneficial right.Secondly,by analyzing the business model,it finds out the main internal and external risks in the operation process.Underlying assets business internal risks include non GZ bank;business from other financial institutions and the underlying assets financing customer credit risk;non-standard business because of a long investment period,leading to fluctuations in the value of collateral margin of safety risk reduction;business operation risk tolerance rate due to the low cost increases;and the financial industry regulatory policy changes policy risk.At the same tess investment leads to idle money,interference with the central bank macroeconomic risk;promote the expansion of credit,financing cost caused by the real economy increase business risk;and the maturity mismatch and the leverage effect caused by systemic risk.We put forward the corresponding risk prevention measures to overcome their own level and external,for the development of the commercial banks follow the specification of non-standard business provides guidance,as well as the background of how the liquidity risk controllable slowdown in economic growth and the development of non-standard business provide advice and opinions.In a word,the non standard business of commercial banks has very broad prospects for development.Therefore,it is of great practical significance to study the current situation of business development and subsequent development.