Studies On The Innovative Inter-bank Business Risk Of Commercial Banks

Commercial banks provide indirect financing and intermediary services for market participants,playing a role as a financial stabilizer.With the further development of the market economy and narrowing of the interbank business spread gap,and the strengthening of supervision by the Banking Regulatory Commission after the US subprime crisis in 2008,the banking sector will also be innovating to adapt to the further development of the market.The interbank business of commercial bank stakes the financing of interbank funds as the core,serving mainly interbank or non-bank financial institutions.Inter-bank business is to solve the problem of shorten liquidity of financial institutions and balance the short and surplus funds of financial institutions.However,in recent years,significant changes have taken place in the business: interbank business has become one of the main sources of income for commercial banks;small and medium-sized banks have begun to make a breakthrough in interbank business.The complexity increases,the business chain continues to expand,and more and more transactions involved in the financial system in China.Commercial banks have been in the core position,its business model has been relatively conservative and stable.Inrecent years,the continuous improvement of capital market and the rapid development of nonbank financial,institutions have forced commercial banks to make breakthroughs in interbank business.Therefore,banking cooperation,bank-credit cooperation,silver certificate cooperation and silver based cooperation based on innovative banking business expand rapidly between financial institutions.In this context,the balance sheet of China's commercial banks has expanded rapidly in the last decade.Behind the expansion of the balance sheet is the rapid expansion of the scale of credit in our country.Its expansion medium is non-bank financial institutions,and the expansion of credit means that the barrate of the enterprise sector is increasing.At present,the downward trend of China's macro-economy is obvious,the economic structure is in the period of adjustment,and the high leverage of the enterprise sector will threaten the quality of the loan of commercial banks and its risk cannot be ignored.The purpose of this paper is to explore the innovative interbank business risks and transmission mechanism,and provide pertinent policy suggestions to better promote the development of the market in order to maintain financial stability.The main research contents include: the development of commercial banks' innovative business development and the risk contagion,and the construction of the convolution.The risk analysis framework and Counter measures of the innovative business risk of commercial banks,which are identified and early-warning,are identified and warned by the network.The main innovation of this paper is that,under the background of the implementation of the "new management regulations",the business banks,represented by the channel business,do not allow multi-layernesting,identify and analyze the possible risks,and construct the simulated network between commercial banks and non-silver financial institutions,and use the convolution nerve.The CNN deep-learning function of network is used to build a dynamic risk early-warning method for new type inter-bank business.