Research On Optimization Of Bond Investment Business Of B Rural Commercial Bank

At present,the interest rate is gradually marketization in our country.The competition of deposit and loan business in the banking industry is becoming more and more fierce,the bank deposit and loan spreads are becoming smaller and smaller.The commercial bank with deposit and loan spreads as the traditional profit model falls into difficulty.In particular,many rural commercial banks have been affected by interest rate marketization more than other banks,so Chinese commercial banks,especially rural commercial banks,have to find new profit points.In recent years,Chinese bond market has developed rapidly.Commercial banks,including rural commercial banks,have stepped into the bond market in order to increase the income of investment.In2014,the Chinese bond market entered a bull market.B Rural Commercial Bank is optimistic about bond investment and gradually increases the scale of bond investment.The profit brought by bond investment to rural commercial bank increases year by year.However,due to its small scale and low level of investment expertise,there are many problems when it comes to bond investment business.It is of far-reaching significance to study the current situation,existing problems and causes of bond investment business of rural commercial banks and give countermeasures and suggestions for improving profitability and reducing risks.This paper adopts literature research method and case analysis method,combines qualitative research with quantitative research,and analyzes B Rural Commercial Bank as a case.Firstly,through literature collection and collation,the research status at home and abroad is summarized,the concept of bond investment business is defined and the theoretical basis is given to form the research idea of this paper.Secondly,the paper reviews the development process of B Rural Commercial Bank’s bond investment business,and uses SWOT model as an analysis tool to deeply study the current situation,existing problems,opportunities and increasingly strict regulatory environment that B Rural Commercial Bank faces in bond investment business.Then find out the problems and reasons of B Rural Commercial Bank in bond investment business.Based on the above research,the optimization objective of B Rural Commercial Bank’s bond investment business is given,that is,taking liquidity as the core,making good investment strategy and improving the income level of B Rural Commercial Bank’s bond investment under the condition of whole-process risk management.Finally,according to the optimization objectives,the corresponding optimization suggestions are given,mainly rational allocation of bond portfolio;Set up trading accounts to increase the frequency of transactions;Strengthen the risk control of the whole business process;Standardize the credit process of bond investment business;We will strengthen comprehensive management of assets and liabilities.It is expected to help B Rural Commercial Bank to establish a sound bond investment mechanism,set up an effective internal control process,and realize the compliant and efficient development of bond investment business on the premise of compliant operation and controllable risk.