Research On Non-interest Business Development And Risk Prevention Of City Commercial Banks In China

With the changing of social environment,city commercial Banks face the competition is increasingly fierce,city commercial Banks want to only spreads to the long-term development,sustain favorable competitive position is relatively difficult,therefore,domestic commercial Banks to expand its non-interest business,the implementation of diversified mixed operation mode change.Domestic city commercial bank's non-interest business contain huge growth potential.The development of non-interest business indeed can improve the income of commercial Banks,but also the existence of hidden operation risk,management risk,management risk and other kinds of financial risks.In the emerging business development at the same time,increase the risk probability of the traditional financial business will also with the emerging business interaction affect the comprehensive risk management of commercial Banks.Based on the research purpose and significance,research ideas and methods,research content and framework,introduces the main contribution and deficiency,on the basis of an overview of the city commercial Banks in our country theoretical basis for the development of non-interest business,this paper introduces the necessity and feasibility of the development of non-interest business,describes our country city commercial bank non-interest business situation and development strategy,and puts forward the city commercial Banks based on non-interest business risk prevention strategy.While selecting G Banks as the research object,to city commercial bank risk prevention is a case study.Finally to comprehensive overview of the research conclusion,and the future research direction was prospected.This paper is divided into seven parts,the first part is the introduction part,introduced the research purpose and significance,research ideas and methods,research content and framework,the main contribution and deficiency.The second part of defining the concept of non-interest income,and introduces the includes portfolio theory,scale economy and scope economy theory and the theory of financial innovation,non-interest income related theory.The third part is the development of urban commercial Banks in China the necessity and feasibility of non-interest business,from the perspective of supply and demand perspective introduces the necessity of our country urban commercial development of non-interest business,and analyzes the development from the Angle of regulation and technology development,the feasibility of non-interest business.The fourth part introduced the our country city commercial bank development course,current situation of the development of non-interest business,and combining the current situation put forward the our country city commercial Banks' non-interest business development strategy,development strategy,including: create a good environment for development of non-interest business;The development direction of innovation non-interest business;Increase with non-bank business integration and cooperation;Non-interest business innovation.The fifth part introduces the non-interest business risks that may occur,on the basis of targeted put forward the non-interest business risk prevention strategy,specific include: non-interest business risk prevention awareness,come up with a strategy of non-interest business risks,improve the non-interest business risk control mechanism,strengthen risk classification management;Emphasis on the structure changes of non-interest business risks,cultivate professional talents,increase technology investment.Part 6 selected case G bank as the research object,the G bank non-interest business development status and earnings are introduced on the basis of the proposed G bank non-interest business risk prevention strategy;The seventh part mainly to comprehensive overview of the research conclusion,and the future research direction was prospected.This study analyzed the non-interest income business in China's city banking industry development present situation,and put forward development of targeted non-interest business strategy and risk prevention strategy,to our country city commercial bank comprehensive operation and orderly and healthy development for reference,at the same time for our country to build solid banking microstructure transformation ideas.