Study On Optimization Of Inter-bank Business Risk Management Of Z Rural Commercial Banks

After the rapid development of inter-bank business in the past five years,it has become more and more important in commercial Banks.Trade business of small and medium-sized financial institutions to make large-scale quickly is important to business,trade business dept has become important profit center,department of big small and medium-sized financial institutions can trade business revenue accounts for more than half of the overall business income,at the same time in the rapid expansion of trade business of commercial bank risk management there are still insufficient,trade business risk events emerge in endlessly,the trade business of commercial Banks is facing the challenge of more and more.Meanwhile,the increasingly strict banking supervision requires commercial Banks to improve their risk management ability.With the launch of "notice on further deepening and redressing the turmoil in the banking market" by the CBRC in the second half of 2017 and the introduction of "notice on further deepening and remediation of banking market chaos" in 2018,the regulatory authorities' tolerance for inter-bank business risks is getting lower and lower,and the requirements for Banks to improve their risk management ability are getting higher and higher.Agricultural and commercial Banks have their particularities.From the perspective of their development history,as a financial institution with small support for agriculture and rural areas,they have played a significant role.However,it is undeniable that there are still many deficiencies in various aspects,especially in risk management.In this context,this article first from organization structure,business type and operation situation of Z rural trade business of commercial Banks are introduced,and combined with the particularity of rural commercial bank,from the credit risk management,market risk management,management of operation risk and liquidity risk management four aspects,this paper introduces the Z rural commercial bank risk control of trade business.Then it analyzes the existing problems in the risk management of Z rural commercial bank: the imperfect system and organizational structure,the insufficient support of scientific and technological system and the low professional level of personnel,and analyzes the causes of the problems from the external and internal aspects.Then,it puts forward the scheme and measures to optimize the risk management of inter-bank business.First,improve the level of creditrisk management by improving credit management,building internal rating system and strengthening risk compensation.Second,improve the internal market risk management system,strengthen market dynamic monitoring and establish quantitative index system to improve the level of market risk management;Third,enhance the construction of scientific and technological system,improve personnel quality and enhance daily management to improve operational risk management level.Fourth,improve the level of liquidity risk management by optimizing the liquidity management system,establishing the index system and actively carrying out the liquidity pressure test.As the largest rural credit institution in the province,Z rural commercial bank has played an important role in supporting the local economic development.This year,it has just completed the restructuring from the rural cooperative society to the rural commercial bank,and the risk management level of inter-bank business needs to be improved.This paper hopes to explore the optimized risk management path of Z rural commercial bank through the study of business risks of Z rural commercial bank,so that it can establish a scientific and effective risk management system,so as to ensure the healthy and sustainable development of business.It is hoped that this study can provide reference and help to other commercial Banks in dealing with inter-bank business risks.