Research On Interbank Business Development Of Shanghai Pudong Development Bank Haikou Branch

Since2008, China’s inter-bank businesses have been in a rapid rise in stage. During2010-2013, China’s inter-bank businesses experienced a wave of booming growth, and now it becomes one of the three main assets with the other two including company’s business and personal business. Compared with traditional business, inter-bank businesses subject to regulatory constraints, low risk and high-quality services under separate management sub-sector regulatory conditions. Meanwhile inter-bank businesses greatly facilitated the sharing of resources within the industry and complementary advantages, promoting the financial industry transformation and innovation. However, since the financial services industry professional committee was established in2012, the supervision of CBRC on inter-bank businesses gradually increased. File No.127and No.140continuous released in2014and gave tremendous uncertainty to inter-bank businesses.In this context, some problems of the Shanghai Pudong Development Bank interbank Haikou branch when operating in Hainan province are given out. To solve these problems, starting from the basic theoretical research, the paper identified commercial inter-bank businesses into inter-bank cooperation, bank-securities sector cooperation, bank-insurance sector cooperation and bank-future sector cooperation.The problem of Shanghai Pudong Development Bank Haikou specific in each business is as follow:First, the Shanghai Pudong Development Bank is weak in Inter-bank Cooperation; Second, profitability of Shanghai Pudong Development Bank Haikou branch bank-securities sector cooperation is still not enough; Third, Shanghai Pudong Development Bank Haikou Branch bank-insurance sector cooperation product category is still single; Fourth, the scope of Bank of Shanghai Pudong Development Bank Haikou branch bank-future sector cooperation is narrow.To study the Shanghai Pudong Development Bank Haikou Branch inter-bank businesses development strategy in further, the deep and direct causes are as follow: As for the root causes, there are three points:First, the competitiveness ability of Shanghai Pudong Development Bank Haikou Branch is weak; Second, staffing of Shanghai Pudong Development Bank Haikou branch inter-bank businesses is not enough; third, the reaction of Shanghai Pudong Development Bank Haikou Branch in interbank market is slow. While its direct threats mainly come from the financial supervision, market competition and market risk.In order to grasp the opportunities using the advantages and avoid weaknesses, the paper presents28specific measures for the development of Shanghai Pudong Development Bank Haikou Branch. The contexts of the measures can be divided into eight categories, which mainly include promoting inter-bank interbank cooperation deepening, expansion of banking and securities business cooperation in the field, establishing product system, expanding the scope of cooperation, strengthening inter-bank businesses innovation, establishing inter-bank businesses management culture, improving personnel training program and evaluation mechanism and enhancing the ability of inter-bank businesses risk control.