Abstract
This paper introduces the function and operation mechanism of banks in the market, mainly studies the interest rate risk and liquidity risk in the market risk, and briefly analyzes the intermediate role of market risk in relation to several major events in 2023 and recent years in the financial industry, such as the collapse of Silicon Valley bank; In addition, policy and regulatory risks are also an important part of the external risks faced by banks. Several major bank failures indirectly caused by the Fed's interest rate hike have attracted the attention of global economists. The systemic risks caused by the mutual contagion and chain reaction of these risks cannot be underestimated, and will even lead to systemic financial crisis. At the end of this paper, systemic risk and systemic financial crisis are discussed, which are closely related to the whole market environment or the life of every civilian. Therefore, it is necessary to study systemic financial risk, so as to better develop risk management plans and countermeasures.
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