The invention relates to a method for constructing a cell model and cell bank for chromosomal translocation by recombination of hTERT (human Telomerase Reverse Transcriptase), and belongs to the field of medical science. The method is mainly characterized by comprising the following steps of carrying out dual-enzyme digestion on a plasmid pCIneo-hTERT and a vector pLXSNneo by virtue of endonucleases EcoR I and Xho I to obtain hTERT and pLXSNneo enzyme-digested products by linking through Ligation Mix, carrying out PCR amplification and separating through gel electrophoresis, constructing a pLXSNneo-hTERT recombinant, transforming the recombinant with DH5a competent cells, purifying, amplifying and picking ampicillin-resistant colonies, extracting a plasmid, transfecting with a lipidosome, carrying out in-vitro passage on chromosomal translocation cells in logarithmic growth so that the recombinants and cell DNA are integrated, carrying out enlarge culture, cloning a cell containing positive recombinants screened through G418, screening the cell of which a cell morphology, a growth curve, a chromosome karyotype, carcinogenicity tests of naked mice, the activity of telomerase in transfected cells, expression products of hTERT mRNA, immunohistochemical staining, a cell proliferate cycle and an apoptosis rate are in line with characteristics of an immortalized cell and are same as or similar to those of a primary cell as the hTERT-mediated cell model for chromosomal translocation, and cryopreserving in liquid nitrogen. The cell model lays a foundation for in-vitro research on the pathogenesis of chromosomal translocation in a cellular level in a long term.