Research On The Development Strategy Of Financial Interbank Business Of H Bank Kunming Branch

With the promotion of interest rate market reform and the development of the entire financial industry,the interbank business has been favored by major commercial banks,and they have used this as their profit growth point.The reason why inter-bank business can play such a role in commercial banks is the development of inter-bank business,which can give full play to the advantages of commercial banks' low capital ratio,huge market capacity and flexible cooperation platform.However,since 2017,the state has formulated various policies to reduce leverage in the industry and regulate the development of inter-bank business,which has created tremendous resistance to the development of inter-bank business.H Bank Kunming Branch is a representative joint-stock commercial bank established in Kunming City.Since its establishment,the bank's inter-bank business unit has achieved remarkable results in product application,customer base and profit-making contribution.However,with the intensification of competition in the local market and the strengthening of external supervision in recent years,the development of the bank's inter-bank business has faced many bottlenecks.Under the current tough policy background,adjustments to adopt appropriate strategies to effectively promote the further development of H Bank Kunming Branch have become an urgent issue for the bank's inter-bank business.This paper takes H Bank Kunming Branch as the analysis object,and sorts out the development status of the bank.In terms of policy and legal environment,economic environment,competitive environment and market demand,the paper analyzes the external environment of its development,and then uses the SWOT matrix analysis method to expound the advantages,disadvantages,opportunities and challenges of H Bank Kunming Branch.The Bank proposes specific development strategies for the H Bank,including:deepening the cooperation between the silver and silver,promoting the development of the "big industry",the development of differentiated and differentiated inter-bank business,Improving the risk management system and strengthen the risk management of interbank business.Through analysis and research,this paper finds out the development path of the interbank business of H Bank Kunming Branch.Its future developing strategy can not only solve the problems currently faced by the interbank business of H Bank Kunming Branch,but also have a certain referencethe to development of interbank business of other commercial banks.