| The innovation of commercial bank's operating form is promoting the financial development of various countries.The changes of commercial banks'operating forms in the world are often accompanied by the continuous adjustment of their economic development.For commercial Banks,comprehensive operation is in addition to their traditional business.In order to better adapt to the market situation and meet the various needs of customers,Banks also engage in insurance,securities and other non-bank financial businesses.Since the end of last century,China began to explore the comprehensive operation of commercial banks,However,under the background of China's economic development in the 1980s,unstable factors in the process of transformation have exerted a great negative impact on China's financial industry and even the real estate industry,and China's commercial banks have thus embarked on the road of separate operation and separate supervision.In the past two decades,with the economic transformation,the traditional profit model of commercial Banks has been challenged,and the rapid development of Internet finance has also increased the survival pressure of commercial Banks.Comprehensive operation has become the inevitable choice for commercial Banks in China to face various challenges and make breakthroughs.On the one hand,comprehensive operation is conducive to commercial banks'use of synergies to improve their operating efficiency,but on the other hand,the complexity of their business may also bring risks and management difficulties to banks.China's commercial Banks are subject to the restrictions of separate industry supervision for a period of time,so the time for comprehensive development is relatively short,and the risks caused by inadequate development are more complex.Therefore,this paper will mainly study the influence of comprehensive operation on bank risks.This paper is divided into four parts.The first part explains relevant concepts and summarizes relevant research conclusions at home and abroad.The second part describes the current situation of the comprehensive operation of China's banking industry,and theoretical analysis of the existing risks and causes of risks;The third part conducts an empirical analysis on the impact of comprehensive operation on bank risks.This paper collected data of 13 listed Banks in China from 2007 to 2017 for panel data research.The results show that the comprehensive operation will lead to the increase of the risk of China's commercial Banks,which is reflected in the increase of the risk-weighted asset ratio of commercial Banks,but has no significant impact on the non-performing loan ratio of Banks.The fourth part puts forward some Suggestions on how to deal with all kinds of comprehensive operation risks.This paper puts forward the following Suggestions for the risk prevention and control of the comprehensive operation of China's commercial Banks:first,introduce and cultivate comprehensive operation professionals to enhance the overall risk control ability and build a complete risk prevention and control system;Second,in the face of the new business model should be bold to try more innovative risk management model;Third,based on the advantages of its own operation,bold innovation of integrated products,through the integration of various types of business to reduce the overall risk;Fourth,cultivate its own core competitiveness in a comprehensive business environment,so as to maintain a stable position in the industry.Through these ways to continuously improve the quality of risk control of China's commercial Banks integrated operation. |
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