An Empirical Study On The Influence Of Inter-bank Business On The Risk Taking Of Commercial Banks In China

In the past,commercial banks in our country obtained profits mainly through traditional business(such as interest difference of deposit and loan business),but with the development of economy,our country continuously carries on financial reform,the profit space of the original business is decreasing.China pays more and more attention to the supervision of the financial industry,and implements Basel III,and at the same time improves the relevant laws and regulations,which challenges the profitability of commercial banks.Commercial banks need to innovate and seek new business in order to obtain high efficiency.With high returns,low consumption of their own funds,and relatively loose state regulation of the inter-bank business slowly into the perspective of commercial banks,has been valued,so in a very short period of time has achieved rapid development.The status of inter-bank business is beginning to grow higher,and the size of its assets accounts for an increasing share of the total size of banks.The development of this business has brought high profits to commercial banks,but at the same time,it can not ignore the risks brought by the rapid development of inter-bank business to banks.The potential risks faced by commercial banks are increasing,testing the risk-taking ability of commercial banks all the time.In view of the above problems,commercial banks must correctly understand of inter-bank business,we must correctly understand its nature,can not blindly develop,at the same time,we should deeply explore how inter-bank business affects bank risk taking,which is very important to the normative development of commercial inter-bank business.This paper firstly summarizes the existing research on the inter-bank business at home and abroad,then analyzes its influence on the risk bearing of commercial banks in China from the theoretical aspect,then briefly describes the development course and general situation of the inter-bank business in China,and collects the relevant data of 22 commercial banks in China in the past ten years,and makes an empirical analysis.Empirical analysis shows that: First,from the scale of inter-bank business,the development of the whole sample inter-bank business will increase the bank risk,which is a positive correlation.The inter-bank business of large commercial banks has a negative correlation with its risk bearing,while other commercial inter-bank business hasa significant positive correlation with bank risk bearing.Second,from the structure of inter-bank business,in the whole sample commercial bank,the traditional inter-bank assets are positively related to the bank's risk bearing;both the emerging inter-bank assets and the emerging inter-bank liabilities are positively related to the bank's risk.The traditional inter-bank business of large commercial banks has a significant negative correlation with their risks,while the traditional business of small and medium-sized commercial banks Both inter-bank assets and emerging inter-bank business show a positive correlation with risk bearing of such banks.Third,the individual micro characteristics of banks and macroeconomic variables bank risk bearing also has a certain impact.In view of the above points,this paper puts forward some relevant suggestions.