Research On The Risk Prevention Of Commercial Bank 's Shadow Bank

In 2008 the global financial crisis with brutal results show that shadow banking negative impact on the stability of the financial system, indicating that the shadow banking problems worthy of attention and prudent supervision. The risk and supervision of shadow banking has attracted worldwide attention. China’s commercial banks for the sake of its own business development has also launched a much higher than traditional commercial bank deposit business investment return rate of shadow banking business, and in a short period of time to obtain the rapid expansion. These shadow banks business by commercial bank credit intermediary role to play, for financing activities provide leverage and maturity transformation possible, table can be used for traditional bank transfer of assets to the table, avoid regulation, has accumulated a large number of financial risks, also to the stability of the financial system will bring a significant impact, need to strengthen the supervision on the. And shadow banking business of commercial banks as a financial innovation, reflects the objective existence of supply and demand, regulators should face commercial banks shadow banking development of rationality, the development degree and is detached from the real economy should have accurate knowledge, through prudential supervision and encourage innovation to guide the healthy development. Therefore, in-depth study and explore the reason and the influence produced by the shadow banking system, only when we have a deep understanding of the development state of the shadow banking to clear risk of China’s shadow banks may bring to the stability of the financial system in China.Combined with the actual situation in our country, defines the meaning and scope of the Bank of China’s shadow, the particularity of the depth of understanding of the current domestic financial development is relatively mature foreign market is lagging behind due to the formation of the shadow banking to have a more clear understanding of the development of China’s shadow banks. Whether it is to China’s shadow banks in-depth understanding or in China’s shadow banking supervision, risk has very important significance.