Analysis On Liquidity Risk Of Inter-bank Business And Study On Its Preventive Strategies Of A Rural Commercial Bank

According to the definition in the Notice on Standardizing the Inter-bank Business of Financial Institutions issued jointly by the People's Bank of China,the Banking Regulatory Commission,the Securities Regulatory Commission,the Insurance Regulatory Commission and the Foreign Exchange Administration in 2014,inter-bank business refers to the various businesses with investment and financing as the core among the legally established financial institutions within the territory of the People's Republic of China.Including: inter-bank lending,inter-bank deposits,inter-bank loans,inter-bank payment,buy-back(sell-back)and other inter-bank financing business and investment business.The main purpose of inter-bank business is to accommodate funds,adjust the positions of funds among banks and alleviate temporary liquidity problems.However,with the deepening of financial reform,tightening of credit policy,marketization of interest rates and other macro factors,banks have evolved inter-bank business into means and tools to avoid financial supervision and increase bank profits in the name of financial innovation by means of various means.A rural commercial Bank(hereinafter referred to as “A rural commercial Bank“)has developed its inter-bank business late,with fewer professionals,insufficient practical experience and weak liquidity risk management ability.Although it has developed rapidly in recent years and contributed huge profits,the particularity of the inter-bank business and the increasing supervision have led to the inter-bank business flow.Sexual risk is accumulating and liquidity risk is becoming more and more prominent,which puts forward higher requirements for the development model of inter-bank business and liquidity risk management of A rural commercial Bank.Based on the current economic and financial situation,this paper studies the development of the inter-bank business of A rural commercial Bank,summarizes the characteristics of the interbank business of A rural commercial Bank and analyzes its impact on the liquidity risk of A rural commercial Bank,and on this basis,puts forward the problems existing in the inter-bank business development and liquidity risk management of A rural commercial Bank.At the same time,in view of these problems,the corresponding suggestions and countermeasures are put forward,which provide theoretical basis and guidance value for the better development of a agricultural commercial bank's inter-bank business and liquidity risk management,in order to better carry out liquidity risk management,so as to effectively promote the healthy,stable and sustainable development of A rural commercial Bank's inter-bank business.In addition,through the study of this paper,it will also provide reference for the same type of small and medium-sized rural commercial banks in China.