Study On Correlative Issues Of Inter-bank Financial Businesses Of Z Bank Jilin Provincial Branch

After two years' of adjustment of inter-bank financial business in 2013 and 2014,mode of same trade monopoly is put forward by regulators,which makes the whole scale of inter-bank financial business expand unceasingly.Its position in financial institutions keeps rising.The patterns of cooperation between financial institutions and the products of same industry are innovating constantly.But in the developing process of inter-bank financial business,commercial banks expose many problems,which affects the goal of inter-bank financial business to be big,strong and good.Therefore,finding out problems to do analysis and providing countermeasures have become urgent.This paper firstly has a understanding of the meaning of inter-bank financial business products and mode configurations of business cooperation and then dig the specific reason of the development of inter-bank financial business in commercial banks in our country.According to the time order,the development of inter-bank financial business in commercial banks in our country are divided into three stages:germination,adjustment and new look.Because this paper mainly analyzes the development of inter-bank financial business in Z bank in Jilin Province,so the account of Jilin Z bank in inter-bank financial business in Jilin Province are analyzed elaborately,at the same time,it narrates the development situation of inter-bank financial business near the monopoly and illustrates the new changes of inter-bank financial business operation by taking this important change—interbank monopoly as the time point;with new change as the theme,summing up the problems that influence the development of interbank operation in Jilin Z bank through the business condition of inter-bank financial business products and regulators' influence on inter-bank financial business operation.These problems include slow development of interbank traditional business,lacking of innovation,the employees lacking of experiences and comprehensive professional knowledge,complete and mature risk management mechanism not being established deficient inter-bank financial business resources in Jilin Province and strict regulations of CBRC(China Banking RegulatoryCommission)and other external monitoring institutions.About these five problems,we should find out the cause of the problems,the solutions to solve them and provide five countermeasures which include consolidating traditional inter-bank financial business,innovating inter-bank financial business products,enhancing the comprehensive ability of business personnel,accumulating experience,expanding the counterparty in the province and cooperation institutions outside the province,besides,aiming at innovative products in inter-bank financial business to make risk management mechanism and managing operational risk for inter-bank financial business,fully interpret the regulations of regulators and seek development in compliance management;finally,analyzing the feasibility of suggested solutions about inter-bank financial business in Jilin Z bank from the perspective of market situation,risk management and followed regulation so as to help inter-bank financial business in Jilin Z bank be developed,stronger and better..