Risk Analysis And Control Of Intermediate Business Of Chinese Commercial Banks

From the aspect of the demands of domestic and commercial banks should face the competition from the international competition of the domestic market by the foreign banks, and should also"walk out"to beach the foreign market. One of the main battle fields where the business fights for is the intermediate business. It is estimated that the foreign capitals share the domestic market from 2% to 30% in ten years. The foreign banks have already succeeded in captured the market shares relying on the advantages such as talents, technology, products. And this tendency is unmanageable. And this will accelerates the development of the intermediate business greatly.With the development of financial innovation, the intermediate business will change from not using their own funs or not using their own funds directly to using the funds of the commercial banks, from accepting the customers' commissions to selling the bank credits, from not undertaking the risks to undertaking the risks. And will set foot in the high risky intermediate businesses. The implying risk of derivative service trade is great, and once these factors embody as realistic risks, then it will bring great loss to banks. So our commercial banks should fully realize the risks of the intermediate business and analyze the reasons why the risks of intermediate business emerges, thus take the effective measures to control the risks. The main points of this dissertation are as follows:The commercial banks take the intermediate business not as the creditor or the debtor directly. So for the long time, most people mistake the intermediate business as no risk business. In fact, with the internationalization and development of finance, the fierce competition of bank, the commercial bank extend continuously in the scope of the medium credit and speed in the innovation of the intermediate business, so the risk comes into being. Once the implicit risk change into a realistic risk, it will result in the great loss to bank. In order to prevent the intermediate business risk, we should know well with it and valuate it. The intermediate business is various, and each of the business has different risks. According to the standard of the manifestation of the commercial risk, the intermediate business risk is divided into nine types: conduction risk, credit risk, market risk, investment risk, management risk, competition risk, operation risk, mobility risk, law risk.Nine types of risks are diversified in the intermediate business. However, different risk has different influence to different intermediate business, so the degree of influence to bank is dissimilarity. Through the valuation of the intermediate business, and the analysis of the matrix of different business and different risk combination, we find the risk of accounts, agency, trusteeship, adviser intermediate business is lower, the risk of guarantee and bargain is higher.So the commercial bank is necessary to establish the risk control system, which covers the risk early-warning system, internal control and external regulation.