A Case Analysis Of H Bank "Fly Sheets"

In 2015,the central bank cuts the interest rates for five times, this is undoubtedly challenging adverse shocks in the commercial bank. Most of the profits the commercial Banks spreads is from spreads, but due to the frequent central bank interest rates cutting and bank competition pressure, commercial banks have to seek new profit way. Combined with the residents living standards improve, and increasing personal wealth accumulation, all of these provide financing products with economic basis. On the products both in terms of liquidity and profitability can satisfy individual or institutional investors group, and there is a professional team to control, and security is relatively high, many investors are in favor of it Therefore, many of those commercial banks gather to develop financing products market, competition is increasingly fierce. Although on the surface that the financing products is quite rich, homogeneity phenomenon is more serious, the ability of risk control and assessment level is still very lack.Bank financing products is the fastest growing and the largest part in the shadow banks, thus it becomes the representative of shadow banks. Not only become the focus of banking, financing products have become hot topic of discussion in dinner. However, in China, as the bank financing products started so late, market is relatively not mature, related laws and regulations may also can’t keep up with, a lot of problems occurred in the process of its development. The H bank "fly sheets" event this article analyzed is one of the classic case. At the end of 2012, an internal staff of JiaDing branch in H bank, sold investors a non H bank commission but high gained financing products. Investors had no idea of this, they spent a lot of money but get no payment, they are clamoring for H bank to return the principal. H bank stressed this product not know beforehand, declined to put forward a claim for compensation.Through to elaboration and analysis of this events, reveals that our bank financing products business is still in the process of rapid development problems and negative effects, and proposed further consummates our country commercial bank financing products business with some opinions and countermeasures.