Research On The Risk And Prevention Of G Shadow Banking Business

As the demand for investment and financing of small and medium-sized enterprises gradually increases,shadow banking gets a good opportunity to develop.The development of shadow banking business by commercial banks can drive up various business indicators.With the National Financial Work Conference as one of the three key tasks of the national financial work,the commercial banking business has begun to show diversification and shadow banking has formed a new business method for the reform and development of China’s financial institutions.Its development will adapt to various financing needs of the society,and it will have a certain promotion effect on the interest rate marketization and a certain positive effect on the market economy.However,the negative impact on the market of shadow banking should be paid attention to either especially its avoidance of supervision,maturity mismatch and high leverage.The potential liquidity risk will spread to the whole financial system and threaten financial security if it is careless.With the introduction of the“new asset regulations”,the continuous improvement of the financial supervision system and the strengthening of supervision,the restrictions on shadow banking are becoming stronger and stronger.The development model,profit model and regulatory arbitrage of shadow banking are doomed to many risks in its development process.Although the risk of shadow banking business is still controllable,due to the particularity of the financial industry,it is easy to cause systematic and non-systematic risks and then evolve into a financial crisis.Therefore,while carrying out financial innovation,we should also take into account the prevention and control of shadow banking risks.Taking the shadow banking business of G bank as an example,this paper adopts the methods of literature research,quantitative analysis(Delphi method,AHP)and experience summarization.Based on the financial risk management theory and financial intermediary theory and financial innovation theory,G Bank’s shadow banking risks and prevention have been analyzed and researched.In accordance with the current situation,business background,business situation and transaction structure of G Bank’s shadow banking business,the paper aims to identify and analyze the main risks in the process of G Bank’s shadow banking business by using process analysis method.Based on the six main risks of shadow banking,according to the overall concept and the principle of risk evaluation index selection,some evaluation indicators that have a greater effect on shadow banking risks are selected to form a risk evaluation index system.The Delphi method(namely,expert investigation method)is used to measure the risk,and then the tomographic analysis method is used to quantitatively analyze the risk index to obtain the risk assessment results.According to the risk assessment results,on the one hand,it puts forward risk prevention measures from the perspective of bank G;on the other hand,it puts forward risk prevention suggestions from the perspective of supervision,which provides reference risk prevention measures for G bank’s shadow banking business.