Historically upon the basic functions and the risk management strategy of the banking sector, we can classify the different bank models:

- till 1972 traditional model (with the 3-6-3 rule);

- 1972-1988 the originate to hold (OTH) model;

- 1988-2008 originate to distribute (OTD) model.

After the crisis in 2008, a set of regulation (Basel III, Basel IV etc.) was introduced for strengthening the micro and macro prudent operation, environment.

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