Research Of The Inter-bank Business In Beijing Rural Commercial Bank

For the past few years,China's economy has stepped into a new normal stage.On the account of a series of factors such as cutting down production,cleaning up zombie enterprises,supply-side structural reform and the stress from environmental protection,the growth of the traditional credit business in commercial banks is slowing down.In addition,as the rapid development and continued perfection of China's financial system,financing channels for enterprises has been diversified which has impact on the traditional credit business as well.What's more,as China's market-oriented interest rate process continuously pushes forward and interest margin constantly narrows,it restricts the commercial banks to scale up and improve profits just relying on the traditional deposit and loan.On this background,each commercial bank strives to develop the interbank business aiming to make up for the deficiency of credit assets.The profits contributed by interbank assets,interbank borrowings and other interbank business have increased significantly,while the profitability even has surpassed the credit and retail business in some banks.As a medium commercial bank restructured from a rural credit cooperative,Beijing rural commercial bank has also rapidly developed a lot of interbank financial services facing great resistance on traditional business development in recent years,although there are certain inadequacies compared with some advanced inter-banks.Through a large sum of literature material investigation and data collection collation,the recent development status of Beijing Rural Commercial Bank's interbank financial services has been analyzed in this paper.By using positive analysis,contrast analysis,document retrieval and SWTO analysis method,the interbank credit,internal rating,interbank work flow,interbank business data and so on have been compared with other advanced banks,and the shortage of the profitability,product innovation,inner management,system support,business structure and risk control etc.have been found out.Then a series of specific optimizations,development ideas and safeguard measures are presented: improving interbank business structure,strengthening product innovation,accelerating business qualification application,optimizing FTP,enlarging interbank borrowing,well doing interbank credit,boosting systematic construction,enhancing interbank cooperation,completing human guarantee,operation principle guarantee and risk management guarantee etc..Compared with some past domestic researches,the innovation of this paper lies in integrating the assorted interbank credit and FTP pricing breaking down the limitation of simple analysis on business itself.Other middle and small-sized commercial banks can also use for reference.