Development Strategy Research Of Z Bank's Inter-bank Business

In recent years,with the acceleration of the financial reform process such as interest rate liberalization,the net interest margin of commercial banks has been narrowing and the income of traditional businesses has continued to shrink.The inter-bank business has become the main way for commercial banking business innovation,scale expansion and revenue growth.In order to prevent financial risks including inter-bank business risks and Containing funds from the real economy into the virtual economy,the regulatory authorities have introduced various regulatory policies to regulate the development of inter-bank business.Especially since 2017,according to the requirements of the central government for “maintaining national financial security” and “renovating financial chaos”,the inter-bank business of commercial banks has once again become the focus of financial rectification,and the supervision has developed towards a strict and strong trend.The inter-bank business is also the main business of Z Bank,and its contribution to Z Bank's asset size and profit has exceeded that of traditional credit business.This study is great significance to the the development of Z Bank's inter-bank business.Specifically,based on the analysis of the types and development of inter-bank business of commercial banks and the regulatory policies of the inter-bank business of the commercial banks,this paper conducts an in-depth study on the development status and problems of Z-bank's inter-bank business,such as serious homogenization of inter-bank products,obvious arbitrage of inter-bank business,lack of risk management ability of inter-bank business,and non-compliance with regulatory requirements for inter-bank business development.In response to these problems,this study uses the PEST model to analyze the macro environmental factors of Z Bank's inter-bank business and the Michael Porter's Five Forces Model to analyze the industry environment faced by Z Bank's inter-bank business,and adopts the SWOT analysis method to obtain the adjustment of Z Bank's inter-bank business.The strategy is: 1.Standardize the development of inter-bank business;2.Build an inter-bank business risk management system;3.Develop steadily and orderly underthe regulatory framework;4.Explore the innovation of inter-bank business products in the context of interest rate marketization.Finally,under the premise of complying with national macro policies and regulatory requirements,the Z-bank's inter-bank business proposes corresponding countermeasures and suggestions from the aspects of organizational framework,talent introduction,inter-bank product innovation,risk prevention and control.Based on the analysis of the development status and existing problems of Z Bank's inter-bank business,this paper uses PEST and Michael Porter's Five Forces Model analysis method to analyze the environmental conditions of Z Bank's inter-bank business and SWOT to conduct a strategic analysis of Z Bank's inter-bank business.Point out the ideas and directions for the adjustment of Z Bank's inter-bank business,and propose countermeasures and safeguards for the adjustment of Z Bank's inter-bank business.The relevant research results of this paper have important guiding significance for the development of Z-bank inter-bank business.While promoting the healthy and orderly development of Z-bank inter-bank business,it provides reference for the development of inter-bank business of other commercial banks.