Research On The Impact Of The New CBRC Regulation On The Development Of Inter-bank Business Of BOB Bank Nanchang Branch And Countermeasures

China’s inter-bank business has developed rapidly since 2008,and various financial institutions have taken inter-bank business as the main profit growth point.In the past decade,the influence of inter-bank business on commercial Banks has gradually increased.The scale of inter-bank business increased from 7 trillion Yuan in 2008 to 57 trillion Yuan in June 2017,accounting for 13% to 24% of the total scale of commercial Banks.Inter-bank business has rapidly developed into an independent business module keeping pace with corporate business and retail business.In December 2016,the China banking regulatory commission(hereinafter referred to as the "CBRC")response the Central Economic Conference’ spirit of guard against financial risks,improve the ability of improved regulatory,carry out extensive inspections of the financial sector.From 2017 to September 2018 CBRC has issued 17 regulatory policy papers.Frequent policy changes have brought a severe test to the development of inter-bank business of BOB bank’s Nanchang branch.The inter-bank business performance has suffered a serious decline,and the inter-bank business personnel have made great changes in their job responsibilities.Among them,only one inter-bank financing specialist is left,and there is no special person for the financial investment business to be concurrently held by other posts.After nearly 7 years of development,the profit contribution of BOB bank’s inter-bank business in Nanchang branch has reached nearly 30% of the whole bank’s profit.If the current policy crisis of inter-bank business is ignored,the whole bank’s profit may fall,with serious consequences.The research of this paper uses the survey method,through reading relevant literature and policy documents,summarizes the current common business risks of inter-bank business,conducts in-depth analysis on important regulatory policies of CBRC in2017-2018,and then explains the difficulties encountered in the current development of inter-bank business and the necessity of inter-bank business transformation.First and then use the comparative analysis,comparing statistical data of 2017 China’s major listed Banks(data associated with trade business changes),BOB bank’s Nanchang branch trade business are introduced,and compared before and after the new regulations BOB bank’s Nanchang branch trade business performance change,explain the current new regulations on the banking sector,including BOB bank’s Nanchang branch,trade business has really negative influence.Inter-bank business has been included in the key inspection scope by the regulatory authorities.Inter-bank business is faced with various problems such as increased regulatory requirements,reduced transaction structure and shrinking business scale.The bank of the above problems,the author of this paper to BOB bank’s Nanchang branch trade business development countermeasures,to promote the standardization of creditor’s rights investment into standardized products,simplify the structure of trade,to establish the standardization of trade business management process,steadily push forward financial deleveraging,to strengthen trade cooperation,training professional personnel,to promote the bank examination system reform,hope for BOB bank’s Nanchang branch trade business the correct understanding of the requirements of CBRC the new regulations and the healthy and orderly development of trade business to provide some Suggestions,and provide some ideas for development of the whole banking industry trade business,The inter-bank business will become a regular business supporting economic development and financial innovation.