Characteristics of intermediate business risk of commercial banks

Risk characteristics of intermediary business of commercial banks: Compared with the assets business on the balance sheet of commercial banks, the risk of intermediary business of commercial banks is lower, but it cannot be said that there is no risk. Compared with the on-balance-sheet assets and liabilities business, the intermediary business of commercial banks presents the following characteristics. First, there is greater freedom. Different from the traditional asset-liability business, intermediary business is strictly restricted by financial laws and regulations. In general, as long as both parties agree, an agreement can be reached. Intermediary business can be traded on or off the market. Most intermediate businesses do not need corresponding capital preparation, which leads to excessive expansion of entrusted and self-operated intermediate businesses of some commercial banks and brings certain potential risks to commercial banks. The second is poor transparency. Most intermediary businesses are not reflected in the balance sheet, and many businesses cannot be truly reflected in the financial statements. It is difficult for external users of financial statements, such as shareholders, creditors and financial supervision authorities, to understand all the business scope of banks and evaluate their operating results, and the transparency of operations is reduced, which affects the correct and comprehensive judgment of the market on the potential risks of banks and is not conducive to the effective supervision of the supervision authorities. Third, most of the transaction risks are scattered in various businesses of banks. Intermediary business involves many links, and the credit, capital, accounting, computer and other departments of the bank are all related to it, so it is difficult to prevent risks and clarify responsibilities. Fourth, high leverage. The so-called high leverage is "small profits but quick turnover". This mainly refers to the characteristics of financial futures and foreign exchange deposit transactions in financial derivative business. For example, a bond investor can buy several bond futures contracts worth $6.5438+0 million in the financial futures market as long as he takes out $6.5438+0 million. Because of high leverage, there is both the possibility of making big profits and the possibility of losing money in financial derivative business transactions. Grid research counseling provides guidance on master of finance enrollment, college enrollment brochures, online enrollment, online Q&A, teachers' equipment, curriculum, charging standards, professional catalogue and so on. Master of finance, the latest postgraduate policies and regulations of university finance, helps students to apply for the ideal postgraduate major correctly. China Renmin University, university of international business and economics, Graduate School of China Academy of Sciences, Shanghai University of Finance and Economics, East China University of Science and Technology, Beijing Technology and Business University and other popular universities for in-service postgraduate enrollment in finance.

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