The Impact Of The Shadow Banking System On The Credit Risk Of Commercial Banks In China

after the 2008 global economic crisis, the shadow banking is considered to be the main reason for the economic crisis, resulting in the widespread concern in the international academic and financial regulatory authorities.development of China’s shadow banking world body than other developed economies,started relatively late, but its growth rate is relatively fast.in recent years, as the financial deepening of reform and innovation,continuous development of social economy,financial markets,investment demand have become more diversified,led to financial products, trust, security companies,private lending and other forms of investment and financing channels,subject appeared in large numbers,and gradually by individual sand businesses more widely accepted in everyday economic life,play an increasingly important role.in the course of its development and growth,and gradually formed a shadow banking system in the broad sense,in our ever-expanding financial sector,the gradual penetration of the growing influence of the depth and breadth.emergence and development of the shadow banking system has greatly affected China’s financial environment has changed the traditional dominance of the existing commercial banks in the credit business,the introduction of a more fully competitive market,accelerate the development of new products to market,stimulate innovation enthusiasm of market players;greatly broadens the lender’s financing sources, reducing the lender’s financing threshold, increasing credit market liquidity;the development of China’s financial market has played a certain role.but at the same time, because of its more innovative things or emerging areas of cross-border areas, making the shadow banking system is more free growth in external regulatory and internal risk control dead blind, the products and processes there are loopholes in the risk management and control,lack of effective risk control mechanism,to the stability of the financial system brought a greater impact on the credit risk of commercial banks is an unprecedented challenge.from the impact of the shadow banking commercial bank credit risk subject,form factors of the shadow banking commercial bank credit risks,the shadow banking commercial bank credit risk management and control mechanisms of the three aspects,the role of the shadow banking commercial bank credit risk arising tobe discussed and concluded:Shadow banking development, in crease the probability of commercial bank credit risk, increasing uncontrolled commercial bank credit risk and improve the difficulty of credit risk management and reduce the conduction control credit risk,making higher probability of occurrence of systemic credit risk,destructive to the entire financial system after a significant increase in credit risk.at the same time on the basis of the conclusions of the study,we proposed to strengthen the shadow banking regulation and standards,the proposed increase prevention and control capabilities of the commercial banks themselves.by studying the impact on China’s shadow banking commercial bank credit risk,we can better grasp the characteristics of the shadow banking system,improve our level of commercial bank credit risk management,strengthen our commercial bank credit risk management effectiveness,and thus ensure that our economic and financial healthy development.in addition, the innovative paper is illustrated by actual cases affect shadow banking credit risk,and risk analysis,based on the actual operation flow of bank credit, setting out the key nodes of the shadow banking impact on commercial bank credit risk management,to we have real work reference and guidance.