Research On The Development Of Industrial Fund Of HRB Bank

In recent years,the scale of industrial investment funds for strategic industries,infrastructure construction and public services has grown rapidly,playing an increasingly important role in integrating social capital,filling the gap in government financing,expanding the scale of social financing and improving the utilization rate of idle funds in the market.The development of industrial investment funds is not only an important means for the steady growth of fiscal power,but also a realistic choice for building a new "engine" of economic growth "expanding the supply of public goods and public services".Commercial banks use financial products to invest the raised funds in industrial investment funds,and play an important role in the initiation,collection,investment and withdrawal of industrial investment funds.With the advantages of customer resources,risk control and retail channels,commercial banks are becoming indispensable participants in the development of industrial investment funds.Industrial fund business has gradually become an important profit growth point for commercial banks.In order to reduce the risks in the operation of commercial banks’ Industrial Fund business,enhance the profits and enhance its sustainability,commercial banks must attach importance to the industry of commercial banks.The study of fund operation mode and corresponding optimization measures are put forward in view of its problems.This paper investigates the current situation of the development of industrial funds in HRB banks,compares the data of advanced industrial funds at home and abroad,and finds that under the background of the rigidity of internal system and mechanism and the lack of team building,combined with the diversified risks of external business and complex financial environment,the limited attraction of social capital,the problems of internal management of industrial funds in HRB banks have emerged.Fund operations involve narrow areas.Guided by the problem,this paper proposes to optimize the organizational structure of industrial funds and the application of PPP model in order to increase the attraction of social capital;further strengthen internal management by optimizing business processes,improving business efficiency and strengthening risk control;widen the industry of HRB bank by focusing on the blueprint of regional economic development,achieving full coverage of superior industries and adjusting the investment structure of industrial funds.The field of fund investment.Combining theory with practice,this paper clearly describes the development of industrial fund business of HRB bank,points out the prospects of development and development suggestions,which has a certain reference significance.