我国商业银行表外业务发展研究

Study of Development Strategy for Off-balance Sheet Business of Chinese Commercial Banks

介绍了表外业务的定义,分析了我国商业银行表外业务发展的现状,及我国商业银行表外业务发展落后的原因,提出了相应的对策,包括提高认识、健全监管、加强内部管理和重视产品发展等.

Great changes have taken place in the environment of commercial bank development in China, and the bank can not totally rely on the traditional interestmargin income from deposit and loan business any more. The offbalance sheet (OBS) business is an important form to earn noninterestmargin income. Because of some external and internal conditions, the level of our country's OBS business is relatively low. In order to meet the keen competition and challenge from foreign banks, great efforts must be made for the development of OBS business.