论我国商业银行表外业务创新的风险与监督

The discussion of Chinas commercial banks risk and supervision of off-sheet business creations

商业银行表外业务创新在拓宽银行经营领域、提高银行效益的同时 ,也孕育着各种风险。其风险的特殊性要求对商业银行表外业务创新的监管必须多层次、全方位地进行 ,且监管的总体效率依赖于各个监管层次的协调动作。

The off-sheet business creations of commercial bank may widen banks*s management field and rise banks*s benefit ,but it may also beaccompanied with various risks The speciality risk of off-sheet business creations demands the supervision has to be carried out on multi-levels and tran-directions The overall effective of supervision depends on coordinated operation of various supervision levels