监管约束下商业银行同业业务转型发展的理性分析与现实选择

The Rational Analysis and the Realistic Choice of the Transformational Development for the Commercial Bank's Interbank Business based on the Supervision and Restriction

商业银行同业业务经过近年来的快速发展,已经成为商业银行利润创造的主要业务,但也面临着监管政策收紧后的转型与创新压力。本文从业务自身诊断与外部环境的理论分析入手,在分析我国同业业务现状的基础上,从同业业务对货币政策和金融稳定影响的角度分析了监管机构从严约束银行同业业务的原因;通过从宏观上明确业务发展和组织定位,从中观上搭建以"互联网+"为核心的同业业务合作平台,从微观上回归业务本源三方面提出基于严格监管背景下同业业务转型发展的现实选择。

After the rapid development in recent years,commercial bank＇s interbank business has become the main business of commercial banks＇ profit source. However,it also faces the pressure of regulatory policy tightening,transformation and innovation. This paper starts with the theoretical analysis of the business self- diagnosis and the external environment,and analyzes the causes of the stricter supervision for interbank business due to the business＇ s influence of monetary policy and financial stability on the base of the analysis of the current situation of China＇s interbank business. Finally,the paper illustrates that the realistic choice of interbank business＇ s transformational development under the strict supervision is making development and organization position clear on the macro perspective while building＂Internet ＋ ＂as the core of the interbank business cooperation platform on medium perspective and returning to the nature of business in micro perspective.