Research On The Management Of Bank Of China Jiangxi Branch Interbank Business Risk

In order to effectively deal with the marketization of interest rates and the impact of Internet finance,real estate finance and real economy on commercial banks,almost all commercial banks have started to engage in financial market business.As a traditional business with the most typical financial market business,interbank business plays an absolutely impelling role in the sound development of commercial banks.But,as the development of interbank business is rapid,the subject of transactions has been changing rapidly and the issue of risk control has also been gradually aggravated.This has also set new demands on the development model and risk control of interbank business of commercial banks.In the process of rapid development of interbank business,the market has formed four typical business models.By assets category,inter-bank assets can be divided into four categories: the disbursed funds(including inter-bank payment),interbank deposits,reverse repurchase agreements and various asset investments.The banking interbank business gradually formed under the pattern of market economy development.The growth of interbank business shows that this kind of interbank innovation has the characteristics of flexible model,high bank revenue and high demand of enterprises.To this end,it is loved by major banks.In recent years,the development of inter-bank banking business has rapid achieved on the top.All banks have set up inter-bank business departments to solve the financing problems of some enterprises.However,there are still many imperfections and irregularities in the process.Therefore,the business still has operational risk,credit risk,liquidity risk and interest rate risk.In order to further improve the management of inter-bank business and better support the real economy,analyzing the specific situation and make corresponding recommendations.Interbank business refers to various businesses based on investment and financing between commercial banks and other financial institutions.Since China's commercial banks develop their interbank business,product categories have been increasing every year.Such as banks through various types of interbank investment to expand the scale of assets,the use of reverse repurchase,split short-term funds mismatch,the issue of wealth management products and other means to make a profit.Inter-departmental banks are positioned as profit centers among banks.Even inter-bank assets of individual banks account for more than 50% of total assets.However,high profits for banks and risks are also hidden.Under the more stringent regulatory guidance,the interbank business started to move towards liquidity management and the credit management function was more and more stressed.With the tightening of regulation,the implementation of MPA,the change of risk weight and the adjustment of inter-bank assets internal structure,the inter-bank business capital The arbitrage space gradually narrows down,and the final result will make the space for the growth of the proportion of the interbank assets in the total assets of the bank become very limited.On the other hand,with the development of e-commerce platforms,non-bank financial institutions and various types of Internet finance,the wealth of their products is continuously enriched.Their savings deposits will be transferred to non-bank institutions.The remaining funds of non-Silver)deposits to commercial banks,such as a treasure and other large e-commerce platform through the fund in the form of funds,commercial banks,the proportion of inter-bank debt or will gradually rise.This article takes Bank of China branch in Jiangxi Province as the research object,conducts in-depth research and analysis on one of the above-mentioned interbank businesses,and according to its principles of compliance with laws and regulations,centralized management and risk control,analyzed one by one.Through collecting and reading a large amount of inter-bank related literature,studying success stories of Bank of China Shanghai Branch and risk events of a commercial bank,the paper draws lessons and lessons from the risk control process of interbank business.Since the establishment of the Financial Institutions Department of Jiangxi Branch of the Bank of China in 2015,the interbank market of Jiangxi Bank of China has developed rapidly.The main body of market transactions has been continuously increasing.The transaction volume has increased significantly,and the volatility of market interest rates has increased.The interbank lending market has also been conducting monetary policy transmission.Regulating the liquidity of financial institutions is playing an increasingly important role.This article is based on the above industry background.Starting from my own work practice,I selected the Jiangxi Branch of the Bank of China as the research object,and through the analysis of the specific operational procedures for the storage of interbank business,I learned about the necessity of the Bank of Jiangxi Province to carry out interbank business and the development of its interbank business.The risk point in the.The Bank of China Jiangxi Branch's current depository of the characteristics of its interbank business and the problems existing in the development of the interbank lending market are considered and analyzed,and relevant risk prevention measures to improve the supervision of the interbank deposit business are targeted.It is hoped that the Jiangxi Branch of the Bank of China will provide some development and risk management implications for its interbank business,so as to better promote the healthy and sustainable development of its financial market business.