This paper studies the heterogeneity of inter-bank network connectivity, and its impact on risk contagion and systemic risk. First of all, it is found that the heterogeneity of the connection forms the inter-bank network into a community structure. Secondly, by constructing the network with community structure, the heterogeneity of the connection tendency can be reflected. The influence of the heterogeneity of the connection tendency on the risk contagion and systemic risk is revealed by the simulation and contrast experiment. Finally, the research results show that banks tend to borrow more fund from the community because of the heterogeneity of the connection tendency. Such bank behavior makes a more fasten inter-bank relationship inside the community. Therefore, when a local crisis occurs, the heterogeneity of the connection tends to lead to higher risk of contagion inside the community. However, it is also very difficult for the risk contagion to spread outside the community.
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