A Research On Risk Of Financing Products Of Commercial Bank In China

The important role of finance in the economic development has been proved by theory and practice. While our country’s economy is adjusting deeply in current and a long period in future, finance development is one of the key elements of economic restructuring. Financial innovation is the inevitable result of the financial development. Finance has always been accompanying with risk, and financial innovation increases the risk probability and severity. The development of Internet finance has taken new challenge to rent distribution of financial industry, and formed the competitive landscape of bank financing business. In order to prevent its interests is damaged, bank will likely to be relaxation of financial services business risk prevention, which will increase the risk of outbreaks.The paper uses theoretical and case analysis, taking the bank financing business essential of financial innovation, interest rate marketization, shadow banking, and based on the ponzi scheme which is caused by financial fragility, credit risk, liquidity risk, market risk, combining the scale,structure, investment and risk level, and collections and pool of capital operation of the asset pool model, analyze the root causes of the risks, including the definition of financial product subject to mismatch may result in the period of validity of the credit risk, liquidity risk, investment, investment direction and market risk, and pools of capital asset pool model itself contains the ponzi scheme trap four aspects. Further, this paper sums up personal finance business in the United States, Japan, Holland style against generalizations, puts forward to bank financing business risk prevention experience for reference in our country, which mainly contains two aspects: one is to perfect the legal system and complete credit system, the second is strict risk management system and high-quality talent team construction. Finally, combining with the reality of our country and the practice of foreign personal finance business, this paper puts forward four perspectives to evade our country finance business risk countermeasures and Suggestions from the macroeconomic internal control, financial regulation, Banks and investors respectively.In this paper, the commercial bank financing business risk is identified from financial innovation and financial fragility, and this paper reveals the root of the bank financing business risk, is the essential attribute of the financial system. Identification and evaluation of credit risk, liquidity risk and market risk analysis of the causes of combining macro and micro, is a kind of possible perspective innovation. And from the macroscopic, regulation, internal control, as well as investors to build four dimensions to evade the risk of commercial bank financing business strategy is more comprehensive and objective. However, since the commercial bank financial business overall risk measure of the complexity and uncertainty, and the lack of financial data, so this article research is given priority to with qualitative analysis, quantitative analysis is complementary, especially not to measure the size of risk and impact factor, is the deficiency existing in this paper.