Banks have been aggressively seeking out profits by engaging in off - balance - sheet activities in the more competitive environment of recent years 在近年来的竞争环境下，银行一直在积极地通过从事表外业务来寻求利润。
Now it haw already become the trouble of safe running of banks , which extremely leads to bankruptcy of some famous banks 尤其是表外业务，现在已经成了商业银行安全经营的隐患，甚至导致了一些著名银行(如巴林银行)的倒闭。
The following are the main contents of this paper . 1 . obsa is a kind of financial innovation on operation 本文的主要内容包括以下几个方面： 1 、表外业务是商业银行在金融业务创新方面的一种尝试，是金融业务创新的主要内容。
Often , the reckoning is more convincing when the bank has absorbed its off - balance - sheet ventures ? as at hsbc and citigroup 在通常情况下，如果银行披露的信息把表外业务也包含在内（汇丰银行和花旗银行就这么做了） ，其公布的帐目的就具有更强的公信力。
4 . obsa can also arouse financial risks while bringing considerable income . it is the truth that profit will never be separated with risks 4 、收益与风险的不可分割性告诉我们，表外业务能够为商业银行带来可观收入的同时，也不可避免地带来新的风险。
This paper employs methods of concluding , demonstrating , analyzing and comparing to investigate obsa on background , reasons , influence and development strategies 本论文采取分析、比较、归纳的方法，探讨了商业银行表外业务的概念、发展原因、及影响。
Credit risk is the oldest and most complex risk type in banking institutions . with the innovation of products in banks , credit risk becomes more and more complex 信用风险既存在于传统的贷款、债券投资等表内业务中,也存在于信用担保、贷款承诺等表外业务中,它随着银行业务创新而日趋复杂。
Since the margins available for many types of conventional on - balance sheet business have been diminishing , while at the same time supervisors have acted to restore and strengthen bank ' s capital adequacy 从西方发达国家商业银行的发展历程来看，商业银行从传统存贷业务向表外业务扩散是一种趋势、一种规律。
Then the paper analyzes the passive and negative impact of obsa both on banking and macro - economy . the third part of this paper shows the essentiality of expanding obsa in domestic commercial banks 最后论文研究了表外业务的风险类别，国际上对表外业务的监管现状，并提出了我国如何加强表外业务风险防范的建议。
This paper begins with the compare of intermediary business concept with off - balance - sheet business , and setting up a new temporary concept to establish dissertation base 本文首先界定了中间业务的概念内涵,比较国内中间业务与国外表外业务的差别,并根据本文写作目的和将来中间业务发展方向提出一个过渡性新定义,奠定论述基础。
