Study Of The Pattern And Influencing Factors To The Inter-bank Business Of Commercial Banks Of China

Commercial bank business refers to the mutual cooperation between commercial banks and other banks or non bank financial institutions, with banks and other non bank financial institutions for business customers’comprehensive services and cooperation. The first trade business is to balance the short-term funds remaining places, solve the short-term liquidity for the purpose of, but in recent years the business changed obviously:business began to small and medium-sized banks as the leading, to profitability for trading purposes; more and more large scale; relating to the subject more and more; more and more complex transaction model derived.The rapid expansion of business of banks in recent years, tight liquidity, credit control, capital scarcity, financing mode change in the business environment and the commercial bank competitive advantage difference, non bank financial institutions, such as rapid development are the most direct impetus and the influence factors. With the mobility of constant tension control, at the same time, the monetary authorities for commercial banks to control the size of credit, loan to deposit ratio and provision coverage ratio means the size of loans, banks’ lending capacity decreased significantly; with the development of the capital market, financing and financing change from indirect financing to direct, outflows from the banking system, China’s small and medium-sized joint-stock commercial banks and city commercial banks because of its limited resources, the number of outlets such as fewer restrictions on private business, and the development of competitive advantage was not obvious, so our country’s small and medium-sized banks Innovation out of the trade business, business is not affected by the size of credit and policy constraints, capital saving gold, business cooperation and other non bank financial institutions, to achieve resource sharing.But with the supervision of the growing business, makes the original profit model difficult to continue, if business to simply replace the original homogeneous business development business, its development is not sustainable. Through in-depth analysis of the current business development, business analysis derived from the various transaction models of essence, theory and Empirical Analysis on the influencing factors of commercial bank trade business, find and solve the Commercial Bank of our country especially in small and medium sized commercial banks in business development, put forward corresponding policy suggestions to regulate trade business, improve the supervision efficiency.