PZ农商银行同业业务发展现状及改进策略研究.pdf

摘 要 随着我国金融体系的快速发展，银行间竞争加剧，企业和个人融资渠道更 加多样化，对银行信贷业务造成了一定冲击。利率市场化改革不断推进，2013 年央行取消贷款利率上下限限制，2015 年放开存款利率浮动上限，存贷款等商 业银行传统业务利差空间收窄。经济下行压力增大，银行不良贷款增加，贷款 类业务增长乏力，商业银行利润增速减缓，利润增长的压力不断增加。在此环 境下，银行同业业务迅速兴起并蓬勃发展，新的产品、新的合作模式不断出现。 同业业务成为商业银行规避监管、扩充资产规模、增加利润的重要手段。 同业业务的快速发展伴随着很多市场乱象行为，引发了一些问题。同业业 务的高杠杆、长链条、层层嵌套、资金空转等问题给金融市场带来了潜在的风 险。金融监管机构越来越重视对同业业务的管控，先后出台了很多相关政策治 理同业业务，促进同业业务规范发展。 本文介绍了同业业务的概念、同业业务类型，通过资料搜集、数据整理选 取 36 家上市银行的相关业务数据阐述同业业务的发展现状。并重点介绍 PZ 农 商银行同业业务发展情况，从内部因素与外部因素两方面阐述了影响PZ 农商银 行同业业务发展的因素，通过对PZ 农商银行同业业务发展现状进行分析，指出 PZ 农商银行在交易对手、业务结构、同业授信、风险控制等方面存在的问题， 最后针对这些存在的问题提出改进策略。 关键词：农商银行；同业业务；改进策略 I Abstract 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 .