Research On The Development Strategy Of ZZ Interbank Business

Since May 2014,the people’s Bank of China,CBRC and other departments have issued a series of documents regulating the interbank business of financial institutions,in order to promote the healthy development of the same industry business of financial institutions.With the gradual promotion of domestic interest rate marketization,commercial banks rapidly promote market reform and business transformation.The rapid expansion of the scale of business,the gradual expansion of the scope of business cooperation,the gradual deepening of the field of business cooperation,and the gradual improvement of the level of business cooperation all show that commercial banks are in the process of business transformation.At the same time,with the continuous expansion of the total amount of financial assets,the growth rate of interbank assets of commercial banks is significantly higher than the growth rate of total assets and loans.The profit contribution of non-credit business marked by interbank business increased.The net interest income of large commercial banks and investment accounted for nearly 1/3 of the total net interest income,and the proportion of some joint-stock commercial banks and urban commercial banks was even higher.However,the rapid development of interbank business not only brings huge profits to banks,but also gradually shows market risks,such as liquidity risk,credit risk and compliance risk.In this paper,case analysis and literature analysis are used to analyze the present situation and problems of interbank business.First of all,content and research methods of interbank business.Secondly,on the basis of analyzing the slowing growth rate of interbank business,the wide scope of interbank cooperation and the diversification of business products,this paper analyzes the problems and causes of the development of interbank business,including the small scale of interbank assets,the weak internal control mechanism,the insufficient innovation of interbank products,the insufficient risk management ability and so on,while the causes of the problems existing in interbank business are divided into three aspects: the small scale of interbank assets,the weakness of internal control mechanism,the lack of innovation of interbank products,and the lack of risk management ability.The analysis is mainly due to the extensive management of the same industry,the actual need to improve profits,the internal motivation of circumventing supervision,the backwardness of business philosophy and the lack of supporting mechanism.Finally,in view of its problems,this paper puts forward some countermeasures to improve the scale of interbank assets,strengthen the internal control mechanism,strengthen the innovation of interbank products,improve the ability of risk management,and strengthen the supervision of interbank business by central bank and supervision department.It is hoped that the research in this paper can provide reference and reference for the development of commercial interbank business in our country.