中文摘要：

经济全球化过程中,金融市场横向风险分担机制侵蚀了银行中介跨期风险分担机制;一部分资金从银行中介转移到金融市场,致使商业银行传统盈利模式遭受冲击。银行必须从传统的存贷款经营模式转变为参与金融市场和衍生工具交易的、提供综合金融服务的现代经营模式。在这一转型过程中,如果转型过快或者银行不能适应变化,银行体系则可能积累大量风险,并导致银行危机。实证检验结果显示,风险分担机制变迁显著增加了银行危机的概率。

英文摘要：

In the process of economic globalization cross-sectional risk-sharing mechanism of financial market erodes cross-period risk-sharing mechanism of banking intermediary part of funds transfer from banking intermediary to financial market and traditional profit pattern of commercial banks are being impacted.Banks should transfer from traditional management mode of deposits and loans to modern management mode in which banks participate in financial markets and exchange of derivative financial tools providing comprehensive financial services.In this process of transformation if process of transformation is too fast or banks can not adapt to changes the banking system may accumulate a large number of risks and this will ultimately lead to the outbreak of the banking crisis.The empirical test result shows that changes in risk-sharing mechanisms significantly increased the probability of banking crises.