Analysis On The Development And Influencing Factors To The Inter-bank Business Of Commercial Banks Of China

The inter-bank business of commercial banks is a new business which rises and develops rapidly in recent years in our country.Deposit and loan business are the main business of traditional banks.They are largely limited by the size of the credit.With thefinancial disintermediation,the real economy cooling and completion of interest rate liberalization,commercial banks are faced more and more pressure from the slow growth of profits.Andthe inter-bank business of commercial banks begins to develop,and gradually enters inthe stage of rapid development under the influence of all these factors.Because of the regulator`s limit for the NPL ratio,capital adequacy ratio and Loan-to-deposit ratio,the inter-bank business has become an important methodof avoiding financial supervision and regulation,and achieving diversification of profits for commercial banks.Firstly,this paper starts with the concept and connotation of the inter-bank business of commercial banks and introducesthe main traditional models and the complex innovative models.Secondly,this paper divides and summarizes the developing process of the inter-bank business of commercial banks in our country according to time and features.And use diagrams and data to analyzecurrent situation of the inter-bank business.Through the analysiswe find that the proportion of thebusinessand profit has been gradually improved.Thirdly,I select factors such as regulatory factors,types of banks and economic policies,analyze their impact on the development of the inter-bank businessfrom both theoretical and practicalperspectives.Finally,in order to make the inter-bank business of commercial banksdevelop better and faster,I suggest that we should regular the supervision system of the inter-bank business,reduce homogeneous products,enhance inter-bank cooperation,build professional teams,learn experience abroad and so on.