关键字：商业银行 同业业务 银银平台 风险监管
Abstract： Commercial interbank business refers to financial institutions as clients, inter-agency agreed to carry out the business of financing, commercial banks involved in securities, insurance and other financial sector in this process. Thus, China's commercial banks from the original "separate operation and supervised" in financial system, and slowly close to the mixed operation, but the emerging risk issues can not be ignored.
In recent years, the rapid development of China's commercial banks brings the substantial growth of interbank business assets and liabilities. Although the interbank business brought a new source of revenue for Banks, there are lots of problems at present, such as spreads instability, complex type of business, earnings pressure, regulatory difficulties and so on. Meanwhile, SME banks are favor of interbank business because of the less occupied capital, highly comprehensive income and the small business risks. Especially, Industrial Bank became the first bank in interbank business through the bank platform.
Based on the business development of the Industrial Bank analysis of the industry to understand Chinese commercial banks risk and monitoring of existing business problems and development trend of the industry Analysis of the business.
Key words：Commercial banks interbank business bank platform risk regulation