The Research Of Commercial Bank Line Same Business On Problem Gibing Policy—a Case Study Of Shijiazhuangbranch Of Ping An Bank

With the full deepening of the reform in our country,the pace of development of the financial industry has been gradually accelerated and new changes have taken place in the financial structure.The single,extensive mode of profit-making by the banks,the "deposit-loan difference," is gradually breaking down.As a growth point of bank profits,interbank business has been greatly supported by various commercial banks.Bank interbank business is actually shadow banking.In other words,securitization of assets in the table through inter-bank channels will activate the credit assets in stock and increase,and enhance the ability of banks to put loans.Banks supplement liquidity by absorbing inter-bank liabilities to ease the plight of bank deposits.However,serious inter-bank mismatch in bank interbank business can easily lead to a liquidity crisis.Therefore,the risks should not be underestimated.Therefore,it is necessary to explore the development direction of interbank business in banking business and become the goal of reform and innovation of banking system.It not only provides the upgrading conditions for the bank’s internal reform and innovation,but also the overall requirements for the development of the financial industry.Shijiazhuang Branch of Ping An Bank The internal analysis of these issues,compared macroscopic reform and innovation of the environment to seek opportunities to meet the challenges,organize their own lack of development,seek opportunities for development,through their own advantages to seek partners to make up for the lack of a win-win situation,so as to find the same industry Business development strategy in the process of continuous realization of its own development path to complete the capital market and the stability of the currency market docking goal and improve banking reform and innovation.At present,the study on the interbank business mostly stays in the theoretical analysis,and does not play a very good guiding role in the practical application of the banking system.In order to circumvent this limitation,this article based on the bank’s interbank business in the process of research,and proceed with the development of these real business,to solve the practical problems oriented analysis.This article uses analytical methods to focus on the combination of theory and practice.In the course of applying the theory of interbank business and the relevant theory of banking,based on the actual operation of Ping An Bank in our country,especially Shijiazhuang Branch,the problems and causes of its interbank business inthe process of development are emphatically expounded.At the same time,they both demonstrate the necessity of the development of both Ping An Bank and Shijiazhuang Branch at the micro and macro levels.The development of Shijiazhuang branch of Ping An bank business,the Shijiazhuang branch of Ping An bank business development problems in the analysis of the causes of these problems,and puts forward some concrete countermeasures for Shijiazhuang branch of Ping An bank business development,in order to enhance the overall competitiveness of Shijiazhuang branch of Ping An Bank,can be divided into four major countermeasures class,the main contents are: one is to deepen the scope of cooperation industry;the two is to improve the bancassurance product system;the three is to strengthen the business scope;the four is to improve the liquidity of interbank business risk prevention and control ability.