Research On Development Tactics Of The Inter-bank Business For DLRCB

Based on nearly 20 years development experience of banking financial institutions, the contribution proportion of traditional deposit and loan business in the total profits of the Bank shows yearly downward phenomenon. The vast majority of financial managers and practitioners have found that the core competitiveness and development potential of the banking financial institutions in the future depends on the innovation of business product and innovation ability of business development, while among many financial services inter-bank business is the one develops the most quickly, and benefits the most obviously, and also is the most convenient way to enhance core competitiveness and profit contribution of banking financial institutions.When the Large state-owned banks and other advanced banking financial institutions have been vigorously developing inter-bank business, and embarked on the fast track of business development, the development of inter-bank business in many rural financial institutions is extremely slow due to the old system and the inertia of thinking. The inter-bank business in many agencies contributes very lower proportion of total assets, the related trading pattern is extremely limited, and the appropriate accounting bookkeeping and approval process they use are in manual mode.In author’s Dalian Rural Commercial Bank(DLRCB), for example, as a new rural commercial bank, inter-bank business is basically in a blank state. Exploit and development of inter-bank business have been the main points to be solved. Not only the Bank’s asset and liability structure can be optimized, thus form a new point of profit contribution, and the meager profit channel and single income structure can also be improved. Professional personnel of inter-bank business can be cultured and expanded in the development of inter-bank business. Therefore, how to achieve management development inter-bank business in DLRCB, becomes a subject worthy of deep-level mining.Especially since 2014, due to the domestic macroeconomic and the "new normal" situation of market, economic growth transformed from high-grade to middle-grade orientation in stalls, rural financial institutions must operate in transition. This article first introduces the concept of inter-bank business and overview of the domestic inter-bank market by DLRCB, based on the blank status of Business Development inter-bank basic and the overall environment, outlines the problems and difficulties of inter-bank business in DLRCB. Through SWOT matrix analysis, provides a development planning of inter-bank business in the DLRCB, clarifies the objectives and developing targets of inter-bank business in the DLRCB, and describes specific policies and safeguards in all developing stages of inter-bank business in the DLRCB.