Study On The Influence Of The Expansion Of Inter-bank Assets On The Risk-taking Of Listed Banks

In recent years,under the circumstance of constant innovation,the cooperation mode and function of inter-bank business have been gradually valued by commercial banks in the operation process due to its advantages of high return and low consumption,and have achieved rapid development in just a few years.In inter-bank business,the bank can obtain liquidity funds by operating the liability business,which is an important source of bank funds,but the liability business is only the basis of operating businesses.Only by applying the working capital to the asset business with profit as the main operating policy,and helping the bank to realize the income through the investment profit feature of the asset business,the banks can realize the strategic plan of stable operation.On this basis,inter-bank asset business has the advantages of bypassing credit control,evading regulatory restrictions,and taking advantage of term error supporting benefits,so it is favored by banks.Therefore,inter-bank asset business shows an explosive growth.However,with the rapid expansion of the scale of inter-bank assets,the credit risk,liquidity risk and risk contagion effect hidden in the business are also increasing day by day,which gradually increases the bank's risk-taking invisibly.This paper takes the listed banks as the research object,and studies the internal relationship between the inter-bank asset business and risk-taking.First of all,the research background and significance are expounded,the relevant domestic and foreign literature is sorted out,the research ideas and methods of this paper are clarified,and the innovation and shortcomings of this paper are pointed out.Second trade business assets are thoroughly analyzed the influence mechanism of risk exposures,respectively from two aspects of theory and the status,in the theoretical part analyzes the trade asset business,bank risk-taking and trade theory analysis of the risk asset business,trade business development course,analyzed the present status of listed banks' business development and risk bearing status.Then,in the empirical part,financial data and macroeconomic data of 16 listed Banks were used to explore the impact of inter-bank asset business expansion on risk taking,with Z-score as the explained variable and inter-bank asset proportion as the explanatory variable.The empirical results show that there is a positive correlation between listed inter-bank assets and risk-taking,and inter-bank asset expansion will increase banks' risk-taking.In view of the impact of inter-bank asset business expansion on risk-taking,this paper finally puts forward relevant conclusions and suggestions.Bycombining the empirical results with the theoretical analysis,this paper summarizes the adverse factors caused by the expansion of inter-bank assets on risk-taking and puts forward relevant countermeasures and suggestions,aiming at preventing and controlling inter-bank asset business risks and reducing bank risk-taking.