A Study On The Development Of Interbank Business In China

With the deepening of the overall interest rate marketization reform in China,interbank business,as a new business rising in the financial market in recent years,has the characteristics of low capital ratio,convenient operation,rich profits and so on.China's major banks began to carry out interbank business transformation,business has made rapid development.But on the other hand,the business of the same industry is also faced with the problem of capital idling,the liquidity of money market is tightening from time to time,and the role of regulation and control is becoming weaker and weaker.In order to prevent the risks of the financial system,the supervision of the same industry business has been strengthened unprecedented in recent years.In the face of supervision and development,how to carry on the management transformation in the future,how to develop the interbank business has become an important topic.From the theoretical point of view,the choice of research on the development of interbank business can provide a reference for the strategic development of interbank business in the future.From the practical point of view,this research is helpful to the standardized development of interbank business,so as to broaden the way of interbank cooperation.This paper consists of five parts.The first part mainly expounds the research background and significance of this paper,and through the in-depth analysis and summary of the current research theory at home and abroad,the research content and framework of this article are worked out.The second part is the related concepts and theoretical basis,first of all,the connotation,types and business framework of the interbank business are comprehensively expounded,and then the theoretical basis of the interbank business,that is,the cooperative competition theory,the asset specificity theory,The theory of separate operation and mixed operation makes a comprehensive explanation and analysis.The third part is the current situation of the development of interbank business,the author is mainly from the interbank assets and negative Based on the analysis of the scale of debt and the transaction situation of interbank business,business model,and the possible impact of supervision on the development of interbank business,this paper makes a deep analysis of the problems existing in the development of interbank business at present.The fourth part is the analysis of interbank business cooperation mode.The author mainly expounds the existing business cooperation mode,supervision thinking,existing problems and the future development mode from three aspects: bank and credit cooperation,bank insurance cooperation and bank cooperation.The fifth part is the risk problems faced by the development of interbank business and the countermeasures and suggestions.The author starts from the micro-and macro-aspects to the interbank business style of our country.The risk problem is summarized and the corresponding countermeasures are put forward.The current research pays more attention to the characteristics of the industry business,the impact and the supervision policy of the industry business,so the overall research focuses on the theory,and the case-oriented research is relatively few.The innovation of this paper is to analyze the three types of interbank business development models with innovation and development,and to study the development of interbank business according to the risk situation.The research on the development of interbank business is a leading,practical and systematic subject.From the point of view of bank practitioners,there may be insufficient and comprehensive research in this field.However,I still hope that some ideas and viewpoints put forward in this paper can provide inspiration and reference for the development of interbank business.