The Research On Chinese Bank Systemic Risk In The Post Financial Crisis Era

Financial system is a country’s economic health and stability of the blood andthe banking system is the core of the financial system, especially in countriesdominated by banks in China, the banking system but also plays a vital role in thedevelopment of the national economy.70，80of the last century, the global financialcrisis continuing, risks to the banking sector is increasingly complex.2007UnitedStates subprime mortgage crisis triggered a global financial crisis, the world’s majorfinancial hit, bankrupt banks are countless, destructive force again demonstratedBank systemic risk of crushing dry weeds and smashing rotten wood. Post-crisis, aseries of changes in the international and domestic economic and financialenvironment, pose new challenges for China’s banking sector, the international anddomestic economic and financial environment, pose new challenges for China’sbanking sector, the domestic banking system is in a deepening phase, therefore,in-depth research of bank system risks, explore preventive measures, financial theoryand practice is a very important and urgent task.This article is based on a study on background. Main content area, in on banksystem sexual risk related concept for defined of Foundation Shang, from liquidityrisk, and economic cycle, and bank system vulnerable sexual and informationeconomics, multiple angle review past scholars on bank system sexual risk researchof classic theory; and reflection subprime crisis in the United States bank systemsexual risk of generated causes, from financial regulatory, and currency policy andthe virtual economic of development, area came on in China of inspiration, Whileanalysis in recent years in China Bank system sexual risk status and in generatedcauses and performance form of particularity, quest Hou crisis times financialenvironment changes on in China Bank system sexual risk of effect; select and banksystem sexual risk is closely related to of10a index, by factor analysis methodsummarized out effect in China Bank system sexual risk main area of factors, and using integrated factor scored investigation2003late yilai in China Bank systemsexual risk status, Discover macro-economic environment in recent years of China’sbanking system and capital market bubble major sources of risk; last based on thetheoretical analysis and empirical results, from macro to micro aspects to takemeasures to strengthen the banking system risk prevention in our country.Innovative thing about this article is mainly caught this background in thepost-crisis era, combined with China’s specific national conditions and the State ofthe current economic environment, research on the root causes of China’s bankingsystem risk formation. This article attempts to use comprehensive factor scoresimulation of bank system risk in China in recent years to come up with resultsconsistent with the reality proves that this method is available in the systemic riskmeasurement in China.