| With economic development, commercial banks profit-driven and lack of regulatory c oordination, the interbank business has developed rapidly in China in recent years. It is fav orable for commercial banks to optimize the financial allocation of resources, improve capi tal efficiency and regulate liquidity. But it also revealed a number of risks in the process, a nd gradually detached from the nature of the business. The risks increased with maturity mi smatching and credit sheeting. It posed a potential threat to the bank and had a negative im pact for economic and financial stability. In this respect, the financial regulators issued a se ries of policies to regulate the interbank business. In May 2014, the financial regulators im plemented a comprehensive specification for interbank business, to guide interbank busine ss back to basics. This thesis explains the concept, varieties and characteristics of interbank business and analyzes the adverse effects of the business. In this paper, the main course of interbank business regulation is reviewed, focusing on the main content of the coordination mechanism under the supervision of a new round of financial regulatory policy. In this pap er, the effectiveness of regulatory policies is analyzed by case study method and finds prob lems in regulatory practice. Finally, this paper presents the relevant policy recommendation s. This paper argues that interbank business is facing a new turning point. Commercial ban ks should firmly grasp the nature of the business, implement division reform, and effectivel y adjust their actual business scale and operational structure, culture and explore new sustai nable business growth based on. At the same time, regulators should reflect regulatory appr oach, strengthen supervision and coordination, urge the legislature as soon as possible to i mprove the relevant laws and regulations, and finally achieve the "effective and lasting" fin ancial regulation. |
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