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1、1012502510000000UniversityCode10125MajorCode0251000ShanxiUniversityofFinance&EconomicsTitleAnalysisofOff-balanceSheetBusinessSupervisionofCommercialBanksinChinaintheWideAssetManagementEraBasedonmacro-prudentialperspectiveNameDIYao0MajorFinance0ResearchOrientationFinancialEngineeringandRiskMa
2、nagementSchoolFacultyofFinance&BankingTutorSHENPei-long0June12nd20182016253.5212.04109.16%12ABSTRACTAtpresent,inordertomakeupfortheshrinkingspaceoftraditionalbusinessperformance,commercialbanksareactivelyengagedinbusinessinnovation,constantlyexpandingtheiroff-balancesheetbusiness,avoidingsup
3、ervisionandenlargingtheirleverage.AccordingtothefinancialstabilityreportforChina2017,attheendof2016,theoff-balancesheetassetsofChina'scommercialbanksstoodat253.52trillionyuan,morethandoublethetotalassetsonthebalancesheet,anincreaseof12.04percentagepointsoverthepreviousyear'send,amountingto10
4、9.16%.Capitalmanagementis"entrustedbyothersandmanagedbyothers",withtheadvanceofmarketization,ithaschangedfromindustry,marketandregionto"bigcapitalmanagement".Intheeraofgreatassetmanagement,financialandmixedindustrieshavereachedtheirlimits.Commercialbanks,asthemostimportantoperatingentityinth
5、eassetmanagementmarket,haveabsorbedfinancingfundsasneverbefore.AccordingtothereportTheFlowofMoney:MechanismofFundsFlowandMechanismundertheFrameworkofLargeAssetsManagement”issuedbytheNationalFinanceandDevelopmentLaboratory,asoftheendof2016,theassetsmanagementscaleofthelargeassetmanagementindu
6、stryhasexceededRMB100trillion,andthebank’swealthmanagementproductsTheremainingbalanceis29.05trillionyuan,ofwhichmorethan70%ofthefundshavebeeninvestedintherealeconomy.Commercialbankshavegraduallypenetratedintothiscapitalchain,tradingchain,andriskchain,andtheissueofcross-riskinfectionhasalsobe
7、comeincreasinglyprominent,highlightsthenecessityofMacro-prudentialSupervision.Ingeneral,thecoreandessenceofmacro-prudentialregulationistheanalysis,monitoringandpreventionofsystemicrisks.Atpresent,Chinahasformedafinancialregulatoryframeworkwithtwopi
