The Main Models And Risks Of Commercial Banks In Shadow Banking Business

This paper summarizes the summed up the commercial bank to participate in the main mode of the shadow banking,and carries on the real diagnosis analysis to the industry business as a starting point,through the comparison and analysis of the listed commercial banks from between 2008 and 2015 some financial indicators,monitoring indicators,and points out that the commercial banks to participate in the shadow banking risk.Through the research we found that the commercial banks involved in shadow banking model including the financial products,bank letter of cooperation,entrusted loans,industry and other business,different modes of common purpose is mainly in order to avoid regulation improve its return.Through the inter-bank business data research,trade business currently carried out large-scale,commercial bank is currently involved in the trade business is no longer to adjust their own short-term liquidity,but more to invest or lend,and increasingly dependent on interbank business as sources of funding for the.Due to the interbank business without the restriction of the general deposit,do not need to pay the statutory reserve does not need limits the interest rate in a certain range,has become the bank to avoid regulatory deposits of an important way,which makes the central bank's monetary policy is not as effective,and further increase the maturity mismatch risk,to further accelerate the commercial bank disintermediation,exacerbated the instability of the banking system.Regulators should pay attention to the supervision of commercial banks in the shadow banking business,in a timely manner to regulate the shadow banking business,to guard against systemic risk.