Case Study On Risk Control Of Interbank Business In Industrial Bank

With the development of the internationalization process of all fields in the world,the risk of the financial industry will also expand.As the main force in China’s financial market,China’s commercial banks have entered the competition of international financial.Commercial bank is a special enterprise which manages the money fund and credit business.For commercial banks,efficient risk control is an important component of the core competitiveness of enterprises.In recent years,on the one hand,China’s commercial banks traditional lending profit model becomes no longer adapt to the process of marketization of interest rates,on the other hand,China’s commercial banks in the interbank business innovates variously.This kind of innovation has brought a new force for the financial market,commercial banks are no longer the traditional profit model in the past,began to meet the diverse needs of different groups of investment and financing.But due to the lack of adequate risk control activities,while operating in China’s commercial banks have many regulatory arbitrage,the drawer agreement,unreasonable accounting irregularities,these are more or less increased the risk of commercial banks in China.Then,in the 2017 NPC and CPPCC,Premier Li Keqiang made the government work report,repeatedly mentioned the need to “actively and steadily deleveraging”in the banking industry in the report.the risk control problem of great practical significance and Research on China’s commercial banks interbank business.Therefore,it is of great practical significance to study the risk control of commercial banks in china.Industrial Bank is one of the best commercial banks in the development of interbank business in China,with the reputation of the king of the industry.This paper will use the method of literature research and case analysis to study the development trend of the interbank business,the current situation and existing problems of risk control,and then put forward some suggestions.Hope to take this case to other commercial banks in response to the risk of the same business,strengthen the ability of enterprise risk control and so on to provide some suggestions and reference.In this paper,base on the theory of the commercial banking business in the control,analyzes the related theory of commercial bank risk control business,expounds the development and characteristics of the commercial banking business,statement of the business risk control of commercial banks.Then,taking the interbank business risk control of Industrial Bank as an example,the characteristics of interbank business,industrial cooperation,interbank business and risk control are expounded.This paper points out the existing problems and causes of risk control in interbank business of industrial bank.Finally,put forward to perfect the risk control of the Industrial Bank of interbank business advice,including perfecting the system,supervision of liquidity risks of industrial bank regulators to strengthen liquidity risk control of commercial banks business,strengthen the control of operation process industry of financial products,to control the counterparty credit risk management,through the sensitivity and longterm management to prevent market the occurrence of risk,bank regulators should reduce the incidence of banking regulatory arbitrage phenomenon and focus on compliance risk control.I hope this proposal could help industrial bank interbank business be more healthy development.