Research On The Development Of Interbank Business Of China CITIC Bank Changsha Branch

The national commercial banks are showing a good momentum of accelerating growth with deepening reforms of the financial system,the development of financial market and speedy liberalization of interest rate.However,the traditional management model is now unable to keep up with the fast development of China's Financial market,which encourages plenty of small banks to executive Strategic Moves and find new market opportunities in inter-bank market.These strategies attribute to the rapid growth of many commercial banks in recent years,since it not only optimizes banks' asset liability structure and diversify income sources,but also achieves the goal of complementing banks' weaknesses and improving the competitiveness of themselves.Their categories of products and services are enriching due to the fact that their asset scales are gradually expanding and the profitability are improving step by step.But there are still some problems in the development of inter-bank business and the systematic risks are emerging with the strengthening financial supervision of relevant departments.Only if the commercial banks standardize and optimize the inter-bank business,can they reach the goal of the sustainable development.This essay takes China CITIC Bank Changsha Branch as a study object and intends to explore the current situation and problems existing in the development of inter-bank business.Some optimization strategies and suggestions are put forward in order to provide references for small and medium size banks.The analysis tool(PEST)is used to analyze the macro environment of inter-bank business of China CITIC Bank Changsha Branch.Also SWOT analysis method is adopted to examine the process of the bank developing its inter-bank business.In the end of the essay,some advices are given,as well as a security system to ensure that these optimization strategies can be carried out smoothly.This essay lists the advantages,disadvantages,opportunities and challenges for the inter-bank business in China CITIC Bank Changsha Branch.Also,the essay proposes some optimization strategies based on the above analysis and synthesis,including the achievement of the differential development combined with their own reality,the cooperation by actively expanding the breadth and depth of business cooperation,further improvement of the risk management system to control risk,speeding up the cultivation of business talents.Suggestions proposed in this essay are practical given the consideration of the reality.