Cross-financial Business Of Commercial Banks Risk Prevention And Control Strategy

With the unceasing change of domestic financial environment,with the advancement of marketization of interest rate,and the development of the Internet financial,the business of the commercial Banks through the intersection,advantage business partners,using cross supervision indicators of financial business to avoid arbitrage,regulating commercial bank management indicators,although regulators took many strong measures,but the innovation of the banking business,regulatory reform,policy and is accompanied by the development of commercial Banks,then shift business inevitably cross,therefore,comprehensive and objective of research and analysis on the cross in the commercial bank financial business.It is necessary to implement the prevention and control of financial risks,make good prevention of financial risks,and guide commercial Banks to "remove the virtual capital and turn it into real capital",which has certain reference significance for practical supervision work.Through analysis,this paper believes that,from the perspective of overall risk,comercial banks have higher risk of commercial bank cross business,defines the cross financial business,analyzes its development course,operation pattern and driving factors,and then explains the cross the risk of financial business,to cross with regulatory public punishment cases financial business policy risk,operation risk,liquidity risk,credit risk,reputation risk,market risk,systemic risk,compliance risk and corporate debt risk are analyzed in detail,from analyze the risk factors of macro and micro level,find out the risk index through the consistency check and the determination of index weight,Fuzzy analytic hierarchy process(fahp)was used to evaluate the risk and its influencing factors,use MATLAB software to evaluate the risk of cross-financial business.Based on the assessment results and actual regulatory work,the risk prevention and control measures are proposed from the regulatory level,commercial Banks,risk prevention and control system level and other levels.This paper cross financial business of commercial bank risk higher conclusions,including regulatory risk,corporate debt risk,systemic risk,credit risk and compliance risk weighting,cross in the commercial bank financial business overall risk influence is apparent,the operation risk,liquidity risk,reputation risk and market risk also exist in cross financialbusiness,but in the model,this paper analyses the weight of slightly less than the other.Changes in regulatory policies have a greater impact on regulatory risks,while increases in financial costs have a greater impact on corporate debt risks,and the risks of complex nested business operations and cross-contagion of business risks have a greater impact on systemic risks.The impact of the default of fund users,the risk of fund fraud and the failure of the "three checks" on the credit risk is quite high.The influence of behavioral risk of evading industry regulation on compliance risk is more important.