Research On Development Status And Improvement Strategy Of PZ Rural Commercial Bank Interbank Business

With the rapid development of China's financial system,competition between banks has intensified,and corporate and personal financing channels have beco me more diversified,which has caused a certain impact on bank credit business.The interest rate liberalization reform continued to advance.In 2013,the central bank lifted the upper and lower limits on loan interest rates.In 2015,it lifted the floating ceiling on deposit interest rates,and narrowed the margin for traditional businesses such as deposits and loans.The downward pressure on the economy is increasing,non-performing loans of banks are increasing,loan business growth is sluggish,the profit growth of commercial banks is slowing down,and the pressure of profit growth is increasing.In this environment,the interbank business is rapidly rising and flourishing,and new products and new cooperation models continue to appear.Interbank business has become an important means for commercial banks to evade supervision,expand asset scale,and increase profits.The rapid development of interbank business is accompanied by a lot of market chaos,which has caused some problems.The problems of high leverage,long chains,layers of nesting,and idling of funds in the same industry have brought potential risks to the financial market.Financial regulators are paying more and more attention to the management and control of interbank business,and have issued many related policies to govern interbank business and promote the standardized development of interbank business.This article introduces the concept of interbank business,the type of interbank business,and selects the relevant business data of 36 listed banks to explain the development status of interbank business through data collection and data collation.It also focuses on the development of the interbank business of PZ rural commercial banks,and elaborates the factors that affect the development of interbank business of PZ rural commercial banks from internal and external factors.By analyzing the current status of interbank business development of PZ rural commercial banks,it points out that Banks have problems with counterparties,business structures,interbank credit,and risk control.Finally,it proposes improvement strategies based on these problems.