| On December 9,2013,the People's Bank of China promulgated and implemented the Interim Measures for the Administration of Deposit Certificates in the Same Industry.On December 12 th of the same year,China Development Bank and the four largest state-owned banks issued the first batch of bank deposit certificates with a total size of RMB 34 billion,which was restarted after the interbank deposit certificates were suspended in 1997.The interbank depository business can broaden the investment and financing channels of commercial banks,increase the counterparty to their transactions,and at the same time have a positive impact on improving the efficiency of the use of commercial bank funds and controlling their liability costs.This article discusses the advantages and opportunities offered by the interbank depository business for Industrial Bank's business development.It also analyzes the inadequacies and challenges of the Industrial Bank's interbank depository business,and proposes corresponding countermeasures and suggestions.It is of practical significance for banks to adjust their business strategies and enhance their competitiveness.Because CDBs have the advantages of improving bank financing capabilities,improving the liquidity management of commercial banks,improving the efficiency of capital use,reducing the financing costs of commercial banks,and improving the efficiency of financing,they have become popular after their introduction,but due to the corresponding rules and regulations,Incomplete,it will also cause certain financial risks.Therefore,the interbank deposit receipts have attracted extensive research from many researchers and have become the focus of the bond circle.Industrial Bank started by doing inter-bank business.Its inter-bank business has always been the most distinctive business of Industrial Bank.In 2005,Industrial Bank launched its distinctive brand“Silver and Silver Platform” to further support the development of Industrial Bank's interbank business.After many years of development,Industrial Bank's interbank business has gradually been recognized by the industry and has been referred to by the industry as "the king of peers." Industrial Bank's interbank depository business is also a leader in the banking industry.Selecting Industrial Bank as the research object of this article has a strong representativeness.This paper mainly USES literature research method,case analysis method,comparative analysis method,SWOT analysis and other research methods to study industrial bank's inter-bank deposit business.This paper studies industrial bank's inter-bank deposit business through five parts.The first part is the introduction,which introduces the significance and background of the research.The second part introduces the development background and the development experience of the industrial bank.The third part describes the development status of industrial bank's inter-bank deposit business and the general impact on the development of bank business through detailed data.The fourth part analyzes the advantages and disadvantages of issuing bank certificates by using SWOT analysis,as well as the opportunities and challenges facing it.In the fifth part,the author puts forward some Suggestions on how to improve the development level of industrial bank.The innovation of this article is mainly focused on the future development of the inter-bank deposit business,and the current literature research focuses on the past and present of the inter-bank deposit business. |
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