国有商业银行表外业务发展的现状与对策研究

Current Outlook of Off-Balance-Sheet Business by State-Owned Commercial Banks and a Counterstrategy

改革开放以来,国有商业银行表外业务的发展取得了长足进步,但是范围还很狭窄,多以金融服务类业务为主,“或有类”业务较少,因此与西方发达国家商业银行相比差距十分明显。具体来说,存在表外业务收入占比偏低、创新能力不足、发展不平衡、管理不规范等问题,究其原因主要包括分业经营管理体制的约束、金融市场环境欠佳、市场交易主体不够成熟、银行体制改革滞后及专业人才与先进技术缺乏等。因此,国有商业银行大力发展表外业务必须深化金融体制改革、尽快实行混业经营制度,统筹规划、强化产品开发,加大科技投入和人才储备力度,实施有效市场营销策略,强化风险防范和金融监管。

Since China＇s reform and opening to the outside world, great achievements have made by state-owned commercial banks in off-balance-sheet business, which is, however, only limited to financial service and rarely concerned with contingent liability. So compared with developed countries in the West, our commercial banks lag far behind in this respect. Specifically speaking, problems are represented by low income from off balance-sheet, inadequate innovation capability, unbalanced development and improper management. The major culprit is considered to the system constraint on separate operations, undesirable financial market environ- ment, immaturity of market players, retarded banking system reform and shortage of professionals and advanced technology. There- fore, in order to boost off-balance-sheet business, state-owned commercial banks should deepen financial system reform, institu- tionalize mixed operation quickly, draw up an overall plan, streugthen product development, invest more in science and technology and talent reserve, adopt effective marketing strategies and tighten risk control and financial regulation.