Effect Of Operating Risk And Value In Shadow Banking Business Of Listed Banks

Shadow banking as a new product has been accompanied by China’s reform and opening up process,since the financial crisis in2008, shadow banking develop rapidly, beginning to play an important role in China’s financial system and China’s economy. It can meet the needs of regulated enterprises access to credit support from financial institutions, on the other hand, banks and other financial institutions can also get profits and income from this business. But as a kind of non-regulated banking business innovation, its risk conditions are still worth pondering, especially12、13years of trust companies and bank financial products, default, is caused by the social and academic thinking: banks as financial institutions, whether it can develop shadow banking. Many scholars are analyzing and discussing the development of the shadow banking business of commercial banks. Since2005, China launched the first asset securitization products, the shadow banking business of the commercial banks increased gradually, especially in recent years,the shadow banking products emerge in an endless stream. And some potential problems are also accompanied by the coming wave of shadow banks float on the water surface. If some banks are keen to developing non-standard new shadow banking, leading to risk asset allocation not match, the maturity mismatch and liquidity shortage problem is very serious, profitability tends to decrease and the bank’s internal risk accumulation. These phenomena and problems are the background of this study and thinking of the environment, whether the shadow banking business will bring risks to the banks? Will the new business give commercial banks value efficiency? These problems have a guiding role for the sustainable development of commercial banks and enhance its competitive strength-Centering on the theme of development of the shadow banking business of commercial banks, using the methods of theoretical analysis and empirical analysis, meeting on the development of shadow banking of16listed bank, mode, cause and development issue and risk points are analyzed.At the same time the degree of risk of the state-owned banks, joint-stock banks, city firm three categories of banks in the development of shadow banking, and the shadow banking will have an impact on the banks of the value from the empirical analysis. The results show that the risk coefficient of joint-stock banks to the maximum in the three categories of bank operation shadow banking business in commercial banks, and the value and shadow bank scale is positively correlated, in the threshold range can promote the bank to enhance the value. In the end, analyze the shadow banking business and regulatory mechanism of the corresponding supervision and put forward relevant comments of the listed banks.