Research On The Investment Countermeasure Of Jining Rural Commercial Bank's Bond Investment

At present,China's commercial banks mainly include deposit and loan business,intermediary business and bond investment business.However,some commercial banks pay insufficient attention to the bond investment business.The development of the business is slow.The management mode is extensive and the risk management level is low.With the accelerated pace of interest rate marketization,the commercial banks with deposit and loan spread as the primary profit model are faced with the dilemma of income reduction.To realize diversified income channels,the financial market business represented by bond investment business becomes the breakthrough point of bank's business transformation.As an important part of the domestic banking industry,small and medium-sized financial institutions in rural areas are small in scale and have a low regulatory rating and weak risk control.Therefore,small and medium-sized financial institutions in rural areas need to accelerate the development of bond investment business.Therefore,the study of bond investment business countermeasure is one of the efficient ways to contribute to the business transformation of rural small and medium financial institutions and income diversification.The marketization of interest rates leads to the narrowing of the scope of deposit and loan spreads,which brings the impact to the survival and management of small and medium-sized financial institutions in agriculture.Therefore,under the current competitive situation,developing businesses other than deposit and loan business and transforming in a better way than that of big banks is the necessary way to resolves the issues of rural small and medium-sized financial institutions.The only way for rural small and medium-sized financial institutions to strengthen risk prevention and control is developing bond investment business.Jining City has 29 local financial institutions,and the competition is more intense.Jining has formed a large state-owned commercial banks,the national joint-stock banks and other financial institutions covered financial services system.As a local corporate bank,Jining Rural Commercial Bank,whose aimed customers are the local economy,small and medium-sized enterprises and urban residents,is mainly engaged in various types of deposits,loans,bonds,financial.interbank deposit and lending business and settlement,agency business,etc.Based on "supporting agriculture and agriculture" and safeguarding the development of the real economy,how to make the full use of wealthy funds to carry out the financial market business such as bond investment,to improve the management level of Jining rural commercial banks and to improve the market competitiveness becomes a demanding issue.This paper uses case analysis,literature review,and SWOT analysis.First of all,this paper takes Jining Rural Commercial Bank as an example,analyzes the current situation of bond investment business of small and medium-sized financial institutions in rural areas and the problems and causes in bond investment business,and studies the corresponding countermeasures.Secondly,this paper summarizes the theory and current situation of domestic and international bond market research through literature collection and collation,and explores the bond investment countermeasure of rural small and medium financial institutions in the current environment,and forms the research ideas of this article.Thirdly,this paper uses the SWOT analysis method,through the Jining rural commercial bank development background,the business situation,the enterprise faces the increasingly market,the open competition environment,carries on the system analysis,obtains the advantages and disadvantages,opportunities and challenges of Jining ABC bank in the bond investment business.Finally,combined with the current macroeconomic situation,this paper provides a response countermeasure and recommendations to Jining Agricultural Bank of China's bond investment business and provides a basis for the development of domestic agricultural banksThis paper analyzes the business situation of Jining Rural Commercial Bank and explains the bond investment business of Jining Rural Commercial Bank in the light of the current economic conditions,puts forward feasible suggestions for the bank,and also makes the rural small and medium-sized financial Institutional bond investment business development provides a theoretical basis.