A Study On The Improvement Of Inter-bank Funds Operation Management Of Agricultural And Commercial Bank

Under the background of the rapid development of market interest rates,the interbank capital business has become the main business of commercial banks,especially in large commercial banks.The interbank capital business has become the mainstream business of parallel development with the deposit and loan business.In the current economic form,especially after the outbreak of the COVID-19 epidemic,the global economy is facing huge challenges.The development of some enterprises is difficult,which has greatly affected the interest income of commercial banks.The income of interbank funds is stable and the spread income is considerable,which plays a pivotal role in the income generation of commercial banks.Judging from the development status of China’s financial market,the degree of development of interbank capital business varies greatly.Some commercial banks have regarded interbank capital business as a mainstream business and contributed considerable interbank interest income.In contrast,some small and medium-sized banks have not paid attention to the development of interbank fund business and have just entered the initial stage.As a member of small and medium-sized financial institutions,the interbank capital business is in the rising stage.In the process of the development of interbank funds,a path suitable for their own development,there are still some problems in the operation and management of funds.As the main force of rural small and medium-sized rural financial institutions,A Agricultural and Commercial Bank urgently needs to strengthen the operation and management of interbank funds to ensure the stable development of interbank capital business.Taking the interbank fund business of A Rural Commercial Bank as the research object,this paper systematically studies its interbank fund operation management by means such as literature research,comparative research and data analysis.By comparing the various interbank fund business data of A Rural Commercial Bank and other state-owned joint-stock banks,as well as the indicators obtained by external financial terminals such as wind and QB,this paper finds and analyzes the problems existing in the interbank fund operation management of Agricultural and Commercial Bank of A,and puts forward improvement plans and safeguard measures for interbank fund operation management.The full text focuses on the interbank fund operation and management of A.Through the research on the operation mode,management mode and report data of A Agricultural and Commercial Bank’s interbank fund business,it analyzes the current management status of A Agricultural and Commercial Bank from the aspects of source and application management,business process management,position management,risk prevention and control management,system management,etc.In view of the current management status of A Agricultural and Commercial Bank of A Agricultural and Commercial Bank,it points out that A Agricultural and Commercial Bank’s interbank fund operation management has low business process efficiency,single business type,imperfect risk control ability needs to be improved,imperfect assessment mechanism,shortage of professional talents and other problems.It analyzes that the main reasons for these problems are cumbersome paper processes,strict supervision,imperfect risk control system,and imperfect talent introduction mechanism.In view of the problems existing in A Agricultural and management The research of this paper can put forward feasible suggestions for Agricultural and Commercial Bank A to improve the operation and management of interbank funds in the future,and also provide a reference for other agricultural and commercial banks in the operation and management of interbank funds.