Research On The Development Of Interbank Funds Business In Commercial Banks

Interbank funds business bank refers to the banks to finance trade customer service and cooperation object, the business, in order to trade financing as the core including:the store, bond-investment, interbank-lending, derivatives-trading,interbank-assets repurchas e, sale bill discount and rediscount business.The commercial bank rely on traditional deposit and loan spreads to main profit pattern gradually cannot adapt to the requirements of modern financial development form of commercial bank, Interbank funds business by the way of flexible, high comprehensive benefits, absorption and low cost characteristics and emphasis has been paid more and more attention of the domestic banking industry. In the social environment of financial services change to asset management, the rapid growth of interbank funds business scale, contribution to the commercial bank profit increased obviously. The people’s Bank of China joint multiple departments to strengthen at the same time, financial institutions are required to trade business internal and external management, also pointed out the direction for the financial institutions to carry out business, support financial institutions to accelerate asset-securitization business, interbank-deposit increase the level of assets and liabilities management.This article from the current interbank money market situation, the basic situation of China’s interbank funds market, focus on characteristics of interbank funds business of commercial banks in the current situation, in order to interbank funds business of J bank as the research target, profits from the domestic and foreign trade capital business research results, combined with the relevant policy and system management basis. Put forward the interbank funds business of commercial banks to expand the way, has the vital practical significance to interbank fund business development. Especially in the interbank funds and Certificates of deposit...