Research On Development Tactics Of The Inter-bank Business For Yangling Rural Commercial Bank

Market-oriented interest rate reform is the objective need and inevitable result of the development of various countries' financial systems to a certain stage,and it is also a core issue in a country's economic system reform.With the advancement and deepening of interest rate marketization reform in my country,it has brought serious impacts and huge challenges to the Chinese commercial banking system.In this context,most banks have begun to transform,change the traditional development method that used traditional deposit and loan business as the main source of profit,and seek new ways of profit growth.The interbank business has become a new choice due to its high yield,large coverage and low capital occupation.However,with the increasing supervision of interbank businesses by the regulatory agencies,the People's Bank of China and the banking and insurance regulatory agencies issued a number of documents in 2014 and 2015 to regulate the development of interbank businesses in the banking industry.The business development model of the industry has changed.The Yangling Rural Commercial Bank,as the only legal person financial institution in the region,shoulders the important task of promoting the opening up of the demonstration zone to the outside world through financial development.In this context,Yangling Rural Commercial Bank's interbank business is facing many problems,and it is urgent to find a path suitable for its own development.Through reading and studying related literature,this paper systematically elaborated the current development situation of Yangling's agricultural and commercial business with the specific research objects of Yangling's agricultural and commercial behavior,and analyzed the existing problems and causes,that is,Yangling's agricultural and commercial bank's business in the same industry faces many gaps and assets The debt institution needs to be improved,lack of professional talents,etc.,and selected four domestic typical rural commercial banks,summed up the development experience of the same industry business,and concluded that Yangling Rural Commercial Bank should be in the organizational structure,business processes,product innovation,talent management,Risk prevention and other aspects to optimize and improve.Finally,it puts forward countermeasures and suggestions to promote the standardized development of the inter-bank business of Yangling Rural Commercial Bank.The research results show that:(1)Interbank business has certain requirements on the scale of financial institutions and the volume of the economy.Yangling Rural Commercial Bank is a local rural financial institution.Most of its outlets are small financial service points.The financial market business involved is relatively simple,with small interbank business volume and simple form.(2)Subject to many factors such as its size,institutional settings,and regulatory conditions,Yangling Rural Commercial Bank's interbank business has four problems: weak market bargaining power,low institutional qualifications,low team professionalism,and high liquidity pressure.(3)Drawing on the experience and practices of typical rural commercial banks in other regions,Yangling Rural Commercial Bank should clarify the focus and grasp the direction;put people first,improve quality;continue to innovate and highlight characteristics;prevent and control risks,and operate in compliance.(4)The following countermeasures and suggestions are put forward: First,at the level of mechanism management,put forward a clear strategic development direction to improve the quality of asset portfolio;establish the concept of talents,pay attention to the construction of inter-industry team;improve the organizational structure management system,and establish policy recommendations for a sound reward and punishment mechanism.Second,at the level of business management,we propose to broaden the scope of business operations and innovate business development models;actively seek cooperation opportunities and expand business exchanges;strengthen risk prevention and control mechanisms and establish policy recommendations for operating security.