| In recent years, with the development of the capital market, interest rate liberalization and financial disintermediation, the financial industry has been developed rapidly. Therefore, the cooperation among financial institutions is becoming more and more intimately. The interbank business, as management supplement and the liquidity of financial institutions balance sheet financial instruments business in the past, which having been developed well. Then also makes the myriads of changes the mode of cooperation between in the financial institutions. However when trade business model change is also associated with the birth of systemic risk, then our country’s regulation is playing an important role in this process.The paper will use the 16 listed banks as research object, basis on the concept in the business and the conclusion of current research, to carries on the comprehensive review on the development status of 2006-2013 years of business, then combine regulatory policy and financial market situation in the same period, summed up the development process of business model and combined with the trade the business of transverse and longitudinal data comparison, theoretical analysis of forming mechanism of business development and typical mode. Finally, use the data of the CIB, as a typical case, to prove the front theory summary from the last chapter.With the change of the regulatory policies,the interbank business in China has gone through a process of the following innovation: between traditional "fund borrowing and lending" mode, purchases of resale "development process of double buyout" mode and "interbank payment" mode and "the beneficial right of the trust" model to "bank-bank platform" information network platform model. Because of the push of the market and the relaxation of credit scale as well as the "three rural" policy resulted in trade business model innovation success----- the "double monopoly" mode was born, which was focus on seek higher gain from interest. However, with the development of trade business continues its risk also gradually exposed, countries have to take certain regulatory system regulates the development, no. 113 document and no. 72 document releasing, under the limitation on the system, the first trade business models for a second, the "trade paid" mode was born, the second for credit company is taken into third party for translate the direct business into indirect one. |
