Research On The Impact Of Financing Liquidity On The Risk Taking Of Commercial Banks

In recent years,the frequent outbreak of financial crisis has a far-reaching impact on the world economy.Until now,the shadow of the crisis still hangs over people.The financing liquidity problem is one of the triggers of the financial crisis.The us subprime crisis in 2007 made the banking system understand the financing liquidity risk again and realize its suddenness and severity more deeply.Since 2013,the "money shortage" events gradually become the norm in Chinese financial market,the shortage of "big money" in 2013 and 2016,the causes of "money shortage" event is the expansion of the interbank lending business,during the period of "money shortage",Shanghai interbank lending rates above 6% for many times,led to a liquidity problem of financing.Although China's financial market is continuing to improve the financing function,but the current financing system in our country is still dominant in indirect financing business of commercial bank,commercial bank is still a social intermediary of conversion from saving to investment,therefore,funding liquidity risk control can improve the conversion efficiency,promote the development of financial industry security.In order to reduce the dependence on wholesale market financing,the banking system to reduce liquidity risk,Basel III global standards and the dodd-frank bill puts forward new requirements for funding liquidity,however,new requirements whether has significant effect to reduce the bank's risk,whether can make the financial system more stable validation is needed.Thus,as global banking regulatory reform focuses on making Banks more liquid than in the past,it is crucial to better understand the underlying relationship between Banks' funding liquidity and their risk-taking behavior.Based on the above considerations,this subject is studied.The study found that commercial Banks with higher financing liquidity are more inclined to take risks.Different types of financing of commercial bank liquidity is different also,with the result of the influence of risk bearing funding liquidity is higher,the rural commercial bank asset risk and overall risk is higher,the rural commercial bank more inclined to take risks,and funding liquidity increase will reduce the assets of state-owned commercial Banks and city commercial bank risk.Research also shows that under high capital buffer,the higher the financing liquidity is,the less commercial Banks are inclined to take risks,that is,the commercial Banks with sufficient capital tend to take fewer risks.Compared with small commercial Banks,the higher the financing liquidity of large commercial Banks is,the less inclined they are to take risks.During the global financial crisis,when financing liquidity increased,commercial Banks took on less risk.Finally,according to the empirical results and research conclusions,some Suggestions are put forward from the aspects of controlling the scope of financing liquidity and strengthening the management of lending,so as to ensure the sustainable and stable development of the financial system.