The Development Countermeasures Of Interbank Business Based On Commercial Banks Under The Background Of New Assets Regulations

At the end of April 2018,the People’s Bank of China,the Bank of China Insurance Supervision and Administration Commission,the China Securities Regulatory Commission and the State Administration of Foreign Exchange jointly issued the "Guiding Opinions on Regulating Asset Management Business of Financial Institutions"(hereinafter referred to as the new regulations on asset management).It has had a profound impact on China’s financial industry,market and institutions,marking China’s entry into the era of unified supervision of large capital management.Among the various financial institutions,the largest number of commercial banks with the largest assets are more affected by the new regulations.Among the various businesses of commercial banks,the inter-bank business has become the “three pillars” of the development of commercial banks by virtue of its low cost,low capital consumption and high profitability.However,the introduction of the new regulations on capital management has profoundly affected the operation mode of commercial banks’ inter-bank business and brought new challenges to its development.This paper selects the Industrial Bank,which once had the title of “King of the Same Industry”,as the object of analysis.The purpose is to study the impact of the Industrial Bank’s inter-bank business after the introduction of the new regulations,and what kind of problems the development faces and propose relevant development strategies.This paper first expounds the definition and type of inter-bank business.The inter-bank business of this paper is to increase the inter-bank investment of the asset side,the inter-bank deposit receipt of the debt side and the interbank wealth management business on the basis of the traditional inter-bank business.After introducing the overview of the inter-bank business,further Explain the main contents of the new regulations on asset management,and analyze the impact of the new regulations on the interbank business of commercial banks from the three aspects of asset end,debt side and off-balance sheet interbank financial management.Then,this article takes Industrial Bank as an example to introduce the development status of Industrial Bank’s inter-bank business,and analyzes the new regulations for the industry from five aspects: scale structure,inter-bank investment,debt-side interbank deposit,off-balance sheet financing and operation mode.The impact of interbank business.Then,according to the impact analysis,it is concluded that the development of the interbank business of Industrial Bank currently has problems such as decreased profitability,large channel compression pressure,limited funding sources,difficulties in the expansion of interbank financial management,and difficulties in the transformation of the industry.Finally,the article puts forward relevant development countermeasures for the problems existing in Xingye.From the perspective of development environment,it is suggested that Industrial Bank should adapt to the new normal of financial supervision and improve its interbank income-generating ability.From the perspective of assets,it is recommended to develop in the case of non-standard investment.Standardized investment in bank layout and adjustment of inter-bank cooperation model;from the perspective of debt,Industrial Bank should continue to expand the brand advantage of silver and silver platform,broaden the sources of funds;recommend innovative interbank wealth management products and optimize wealth management product management in off-balance sheet financial management;In terms of transformation,it is recommended to enhance service linkage and return to the essence of the business;it is also recommended to strengthen risk control of inter-bank business and improve business compliance.