The Research Of The Development Of Interbank Business Of Henan City Commercial Bank In New Regulation Environment

Commercial banks should provide services for real economy.However,with the increasing credit risk caused by downward pressure on economy and bad asset quality,the development of traditional deposit and loan business of commercial banks in China has encountered bottlenecks.In recent years,the contribution of interbank business to the profit of commercial bank has increased significantly.However,the emergence of interbank business has also made social funds idle in the financial system.The intersection of various business in the financial market has made financial institutions,including commercial banks,become a community of interests.As a result,it increases the risk spread of financial network in the event of extreme events.Therefore,in recent years,the regulatory has issued documents to strengthen the supervision of interbank business,which makes the business environment of commercial banks change significantly.The city commercial bank system of Henan province has met a major integration,which includes Zhongyuan Bank,Bank of Zhengzhou,Bank of Luoyang,Bank of China Travel Service CO.,Ltd.Jiaozuo and Bank of Pingdingshan.The interbank business of Zhongyuan Bank,Bank of Zhengzhou and Bank of Luoyang develops rapidly,accounting for more than half of the total bank assets,which provide the business support of profit growth.However,under the background of the new regulation and strong supervision about the interbank business,how to adjust the operation strategy and how to carry out the financial business of the city commercial banks in Henan Province are the realistic problems.The thesis elaborates and analyzes problems in six chapters.The first chapter is the introduction,which states the background of the topic,the general situation of research in China and abroad,the significance of the research,the research content and the methods used in the research.Chapter 2 will talk about the mode of interbank business,including the concept of interbank business and ways of cooperation with different business partners.The third chapter is about the analysis of current development and problems of interbank business in Henan city commercial banks.It mainly analyzes the overall interbank business development,and the main problem of interbank business of Henan commercial bank.Chapter 4 analyzes the influence of the new regulation on interbank business of Henan city commercial banks.It analyzes the impact of the new regulation on the development of the business of city commercial banks in Henan Province from different regulatory departments and regulatory policies issued frequently.The most important impact is the restriction of the business development and profit margin of commercial banks.Chapter 5 is the research of the measures of the development of interbank business in Henan city commercial banks under the new regulatory environment.This chapter puts forward the measures and suggestions for the development of the interbank business,combining with the problems existing in the interbank business of the city commercial banks in Henan Province.The suggestions mainly include: returning to the essence of business,clearing the business position,paying attention to changes of the market,improving the risk control system,accelerating business innovation,adapting to transition and development,and strengthening personnel training.Chapter 6 is the conclusion.