表外业务

• The development of off - balance - sheet activities ( obsa ) is one of the important trends in the international financial field . obsa has become the third pillar of commercial banks business , except from the traditional two : the assets and liabilities business
  表外业务的发展是国际金融领域的一个重要趋势，表外业务已经成为商业银行除资产、负债业务以外的第三大支柱，表外业务创造的非利差收入日益成为商业银行重要的利润来源。
• This paper is composed of three chapters . the first chapter is about the basic conception , style and characteristic of immediate business and compares the conception of immediate business that is usually used in china with that of off - balance sheet of activities used abroad
  全文共分三章，在第一章，首先介绍了中间业务的基本概念、类型和特点，并对在我国普遍使用的中间业务与外国普遍使用的表外业务这两个基本概念作了比较分析。
• However , to some extent , the occurrence of obsa destroys the stability of financial system , increases the functions of credit creation and decreases the validity of conductive mechanism of monetary policy while increasing the difficulties of implement of monetary policy
  尽管表外业务的出现并迅速拓展对商业银行业务经营起到了积极的促进作用，但同时也在一定程度上破坏了金融体系的稳定性，并以其所具有的信用创造功能扩张了社会信用总量。
• However , there is little developing in this area because of less recognition . so there is a large gap between our domestic banks and foreign banks . domestic banks have made some fee oriented business , such as letter of credit , underwrite drafts and standby l / cs or l / gs
  尽管不少银行也开办了担保和类似的或有负债业务，但因对表外业务的重视不够，这类业务的规模和业务范围以及质量，与西方国家银行相比，还不能同日而语，存在着巨大的差距。
• After analyzing the present situation of our obsa and the reasons for the backward situation , the paper puts forward the covering strategies for our commercial banks obsa , including the main obsa product development , obsa pricing , marketing and risk supervision
  我国商业银行表外业务发展虽然起步较晚，目前的水平还较低，还存在较多的问题，但近年来表外业务的发展势头迅猛，表外业务的发展将促进我国商业银行改革的深入和金融市场的深层次发展。
• The financial business innovations in our country have made considerable progress since china ' s reforming and opening - up . while the business innovations in our banks confront a lot of difficulties such as the lack of scientific guide and vitality , quantity - oriented not quality - oriented . especially the innovation of off - balance - sheet business is at a comparatively backward stage
  改革开放以来我国商业银行的业务创新活动取得了较大的发展，但与国际银行业相比还存在着许多不足之处，如业务创新缺乏科学性和生命力；创新活动中只求量的扩张，不求质的提高；表外业务的创新还处于相对滞后的状态等。
• Exerting swot analysis , the author compared the strength , weakness , opportunity and threat of medium and small commercial banks " with state - owned commercial banks " in organized form , management system , politic condition , the extent of vocational works and the technical progress . the author indicated that if the medium and small commercial banks wanted to stand on the competition and get greater progress , these banks must change the market location , turn their serving targets to medium and small enterprises , exert integrated marketing strategy ( product strategy , price strategy , distribution channels , sales promotion strategy ) and technical superiority strategy , develop intermediary business and obsa off balance sheet activity of value - added yield
  运用swot分析，从组织形式、经营体制、政策环境、业务范围、技术进步等方面比较了中小商业银行同国有商业银行及外资银行的优势、劣势、机遇及挑战，明确了中小商业银行要想生存乃至更好的发展，就必须改变现有的市场定位，转而以中小企业为主要服务对象，运用营销组合战略(产品策略、价格策略、分销渠道策略和促销策略)和技术领先战略，积极拓展高附加值和高收益的中间业务及表外业务。
• Because china ' s economy is in a special period called transferring period , our country ' s commercial banks have faced some managing risks during the course of operating , and these risks including credit risk , liquidity risk , interest risk and investment risk have some negative effects in the banks " development , and hinder the increase of our country ' s commercial banks " competitive abilities
  然而，我国经济转轨时期经济状况发展的特殊性使商业银行的经营风险在一定范围内广泛存在，包括信用风险、流动性风险、利率风险、表外业务风险等在内的不同风险类型在很大程度上影响了我国商业银行的正常经营与发展，阻碍了我国商业银行竞争力的提高和可持续发展能力的增强。
• On the basis of obsa ' s definition in both broad sense and narrow sense , this paper differentiates the obsa and intermediary business . it is concluded from the comparison that the conception of intermediary business is inaccurate and easy to cause confusion . while the conception of obsa is not only accurate but also clear , and has been accepted and employed broadly in international finance , international accounting and basel committee
  2 、在澄清表外业务广义和狭义概念的基础上，本文对表外业务概念与中间业务概念进行了比较，并认为中间业务概念界定不准，其特征含义容易引起误解；而表外业务是国际金融界、国际会计界以及巴塞尔委员会公认的名词概念，概念准确、清晰。