Research On The Adjustment Strategy Of N-bank's Interbank Business Under The New Regulatory Environment

Since 2016,the people’s Bank of China and the CBRC have introduced the most stringent regulatory policies in history.With the continuous progress of the structural reform of the supply side,the continuous leveraging of the financial industry has become a long-term theme.In addition,with the continuous improvement of big data and AI technology,the traditional banking business is also affected by the power of innovation.Therefore,under the dual requirements of external environment and internal transformation,the business adjustment of the banking industry in the new era is imperative.N bank,as an early commercial bank entering the domestic financial market,has experienced more than twenty years of market experience,and its business scale and profitability have increased year by year,but under today’s strict regulatory environment,regulatory loopholes are gradually being filled,and regulatory dividends are slowly disappearing,the traditional business space of N bank has been greatly compressed,with the rise of Internet finance,N bank’s deposits have been rapidly diverted,and now it is faced with a dilemma that the scale and profit growth rate is decreasing year by year.Therefore,facing the severe internal and external situation,the N bank needs to adjust its business strategy in time and rebuild the profit growth point which is in line with the trend of supervision.It is helpful to solve the difficulties that the company faces in the future by adjusting the asset structure,consolidating the debt base and correctly understanding the future direction of the banking industry.This article adopts the method of case study,on the basis of the existing theories,combining the latest regulatory policy of the people’s Bank of China and the Banking Regulatory Commission and the existing market data of N bank,the paper studies how the N bank adjusts the business management strategy,improves the market competitiveness and improves the future profit level on the premise of the new regulations of the policy.At the same time,in view of the popular Fintech concept,the paper deeply explores the help of the Internet thinking and large data application for the N bank to break through the existing difficulties and improve the management ability.This article is very suitable for the actual operation of banks at present,and the research direction and results will help guide commercial banks to conduct business transformation.At the same time,we study the current regulatory policy to help domestic commercial banks to understand the actual intentions of the supervision and guide the commercial banks to develop further in the direction of the regulation.