Study On The Risk Management Of Inter-bank Business Of M Rural Commercial Bank

As a important part of the financial market business,the inter-bank business has played a positive role in promoting the rapid development of China's commercial banks.However,the commercial banks in China,especially the small and medium-sized commercial banks,still have deficiencies in the risk management of inter-bank business.At the same time of rapid expansion,it not only increases the financing cost of the real economy,but also brings the rapid accumulation of financial risks,and even forms the hid den danger of systematic risks.Since 2017,the regulatory authorities have issued a series of documents to limit the brutal expansion of inter-bank business.The arrival of the era of strict supervision puts forward higher requirements for the risk management of inter-bank business.In this context,this paper selects M rural commercial bank as the research object,mainly studies its inter-bank business risk management and the optimization measures that can be taken.Firstly,this paper analyzes the curren t business types and risk points of M rural commercial bank's inter-bank business,and introduces its inter-bank business operation and risk management.Then it summarizes the problems faced by M rural commercial banks' inter-bank business,and analyzes the external and internal causes of the above problems.Through the analysis of this paper,it summarizes the problems of its rough line management mode,imperfect counter-party management,imperfect process node control,insufficient attention to interest rate risk,etc.,and then concludes that its risk prevention and control system is not perfect,lack of professionals and weak scientific and technological support.Finally,in view of the above problems,targeted measures are proposed to build a comprehens ive risk control system,an internal credit rating system and interest rate research system,a bank wide collaborative management and control of liquidity risk,a continuous learning mechanism and a reward and punishment mechanism,so as to improve the management ability of M rural commercial bank in the same business.