The Interbank Business Development Research Of Industrial Bank

With the deepening of China’s financial system reform and the development of financial markets,China’s banking industry show good momentum of rapid growth, includes rapid growth assets size,gradually improvement of profitability,abundant products and services.Due to acceleration process of market interest rate,Commercial banks experience fierce competition in customers, channels, technology, human resources and so on,and homogenization phenomenon is more prominent.Therefore,Commercial banks place increasing emphasis on the development of interbank business. Interbank business、personal business and company business has become three main business. In recent years,Commercial banks relying on non-standard interbank business development,which support a rapid expansion in the scale of assets, also maintained a rapid growth profie of the banking sector.Developing interbank business meets the trend of the market interest rate,also help to optimize the structure of assets and liabilities of commercial banks and improve competitiveness of commercial banks. However, at the present development stage interbank business also has some problems, only continue to standardize and optimize the development of interbank business, can it show huge earning effects.In this paper, the research object is Industrial Bank,which aims to study the development road of Industrial Bank’s interbank business.Firstly, the article combs the theory basis of interbank business, describes the meaning of interbank business, summarizes that the interbank business has high income, low risk, a wide range of business, low capital occupied characteristics.However, with the development of interbank business,it shows new characteristics such as enhancement of non-stability, functional change in the nature,the metamorphosis of the new features of various forms of business and so on.According to multiple criteria,it divides interbank business into different classification detailedly, and introduces the six development stages of interbank business.Subsequently, the paper describes the research process and content in Industrial Bank Wuhu Branch,from the data obtained from the survey,it summarizes that the Industrial Bank interbank business increasingly scales,positive assets configuration,strong profitability,increasingly rich way of corporation and good operation of "platform between banks".Through the analysis on the current development of interbank business in Industrial Bank,this article summarizes the problems in the development process of interbank business,including the spread of instability,apparent liquidity risk,imperfect accounting information discloure,impact to bank’s core capital,weakening of macro-control effects.Aiming at these problems,the Industrial Bank has taken some solutions,such as constantly promote "platform between banks" product innovation,strengthen macro-judged ability,raise high-profit assets configuration ratio and so on.These measures solve some problems in the development,but not complete,still needing to enhance and supplement.Finally,based on the above analysis and induction,there is future development direction of interbank business in Industrial Bank.Countermeasures advised banks to improve the ability of macroeconomic judgements,improve liquidity risk management system,tries division system,promote the establishment of the deposit insurance system,and promote the process of asset securitization pilot.