Connection between inter-bank business and traditional business

Inter-bank business refers to all kinds of businesses that serve and cooperate with financial inter-bank customers and focus on inter-bank financing. It is a new business that has sprung up and flourished in commercial banks in recent years. Specifically, it includes: interbank fund settlement, interbank deposit, bond investment, interbank borrowing, foreign exchange trading, derivative product trading, agency fund trading and interbank asset trading repurchase, bill discount and rediscount. In recent years, the inter-bank business of some joint-stock commercial banks has developed rapidly, and the proportion and contribution of inter-bank business volume, income and profit in various businesses of commercial banks have increased significantly.

The traditional credit business of banks is

1. Including general loans, simple foreign exchange transactions, trade financing and other traditional businesses, mainly supported by a large number of branch networks and business volume.

2. Credit business, also known as credit assets or loan business, is the most important asset business of commercial banks. Credit is the main means of profit for commercial banks, because it can recover the principal and interest by lending, and make a profit after deducting the cost.

3. Among all sources of credit funds of commercial banks, self-owned funds account for a small proportion, generally accounting for about 65,438+00% of all debt business, but self-owned funds play a very important and irreplaceable role in the bank's business activities.

4. It is the premise for commercial banks to conduct business and engage in banking business. Secondly, it is the material basis for the risk loss of bank assets, providing protection for bank creditors and once again becoming the material guarantee for improving the competitiveness of banks.

The purpose of these regulatory policies issued by the regulatory authorities is mainly to make up for the regulatory gaps of interbank business in the past, and solve the risks of liquidity risk, interest rate risk and off-balance sheet leverage of interbank funds through outsourcing business that may occur in the interbank market in the past.