A Study Of Bank Government Cooperation In HB County From The Perspective Of Commercial Banks

With the deepening of the reform of the banking system and the financial and tax system,the cooperation between banks and governments has gradually changed from the simple implementation of the policy orders of the central and local governments by commercial banks to the pursuit of win-win cooperation between banks and governments.Since 2011,there has been a banking and political cooperation mode in China,in which commercial banks provide credit support to local governments,capital management services,and local governments provide financial capital deposit incentives to commercial banks.Under the promotion of this cooperation mode,the enthusiasm of commercial banks to participate in the local economic development and the implementation of local government decrees has been greatly improved,which has also played a great role in promoting the local economic development and the improvement of the administrative efficiency of the government.However,because most of the banking and government cooperation businesses serve the government policy projects,and for the credit business,there are restrictions on the loan interest rate from the government level,while the commercial banks Other cooperation projects such as fund management are mostly zero profit operation.Commercial banks not only take risks,but also make limited profits.In addition,after the reform of the centralized collection and payment system of the State Treasury has been gradually implemented in the local areas,the financial funds that can be used for deposit incentives have been sharply reduced,and the incentives for commercial banks have been sharply reduced.All these have seriously affected the long-term sustainability of the cooperation between the two sides.So,how can commercial banks take advantage of their own advantages to gain certain initiative? How to explore the potential opportunities of cooperation,expand and innovate the depth and breadth of banking and political business,make good use of the sword of "banking and political cooperation",pursue their own development goals,promote local economic development,improve the administrative efficiency of the government,and realize the "long-term mechanism" of banking and political cooperation?This paper will take HB County bank government cooperation mode as an example,on the basis of reading a lot of literature and collecting a lot of field data,first of all,it will sort out the relevant theories of bank government cooperation,and make a necessary elaboration on the concept and necessity of "bank government cooperation",and put forward that under the current domestic and foreign economic development environment,strengthening the bank government cooperation is the inevitable trend;then take the development and reform of China's banking industry The course is a time axis,which describes the development trend of the cooperation mode of banking and government in China--from the implementation of government policies by banks to the mutual benefit and win-win change of both sides of banking and government,and analyzes the main business types and profit-making methods of domestic banking and government cooperation at this stage;next,it analyzes the cooperation mode of banking and government under the "financial capital deposit Award" of HB County,and analyzes the specific cooperation mode of banking and government in this county Starting from the business of political cooperation,collecting a large number of data,through the collation and analysis of specific business data,we found the problems of the county's banking and political cooperation mode,and thought deeply about the causes of these problems;finally,we put forward some suggestions for the county's "banking and political cooperation" mode not to develop.