摘要：商业银行同业业务，是指以金融机构作为服务对象，机构间议定资金融通开展各项业务，商业银行在此过程中涉及证券、保险等金融领域。由此可见，我国商业银行已从原本的“分业经营，分业监管”的金融体制，慢慢向混业经营靠拢，但这之中出现的风险问题不容忽视。

　　　近年来，我国商业银行同业业务迅猛发展，同业资产和负债有着大幅的增长。同业业务虽为各银行带来了新的收入来源，但仍存在着利差不稳定，业务类型复杂、盈利压力增大，监管困难等问题。与此同时，同业业务又以占用资本少、综合收益高、业务风险小的特点备受中小型银行的青睐，兴业银行尤以“银银平台”成为同业业务发展的“巨头”。

　　　本文通过对兴业银行同业业务发展的剖析，了解中国商业银行同业业务现存的风险及监控问题，并探析同业业务的发展趋势。

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