关于我国商业银行表外业务的几点思考

商业银行从传统业务向表外业务扩散是一种趋势。西方商业银行表外业务发展的历史经验表明表外业务的快速发展依赖于一定的外部条件：利率与汇率的高度市场化、混业经营、社会信用与法律环境较好。而目前这些条件在我国多还不具备。除外部环境外，我国商业银行表外业务发展缓慢，也与自身存在一些制约因素有关。由于在现阶段我国商业银行开展表外业务存在着许多需要解决的深层次问题，仍存在着一定的业务风险。因此，目前商业银行发展表外业务应坚持审慎发展的原则；同时，应积极创造条件，选择一些市场前景好、风险可控的业务品种大务发展。

Some Thoughts on Commercial Bank's Off-balance Sheet Business

Commercial banks do more and more off-balance sheet business is a trend.As the west commercial banks' experience shows,OBS business depends on some exterior conditions:interest rate and exchange rate are decided by market force,commercial banks are permitted to do invest banking business by law,credit environment is well and law system is sanity.And now these conditions are absent in China.Apart from these,the slow growth of OBS business is related to commercial banks' inner management.So the attitude of Chinese commercial bank to OBS business should be prudent,and actively create conditions for OBS business at the same time.