发展我国商业银行表外业务的对策探讨

在金融创新层出不穷的环境下,商业银行传统业务的利差在不断缩小。特别是我国已加入WTO,外资银行的进入将会进一步激化我国商业银行的竞争,商行的存贷利差缩小是一种必然趋势。为了弥补收益下降,大力发展表外业务是我国商业银行生存发展的必然和可行选择。因此必须解除约束商业银行发展表外业务的条件,探寻发展商业银行表外业务的对策。

COUNTERMEASUERS ON DEVELOPING OUR OFF-BALANCE SHEET ACTIVICES

The traditional activities'rate difference of the commercial bank is keeping growing small in the condition that the financial innovations are occurring one after another. Especially after we joined the WTO, foreign banks'joining would activate competition among banks and the difference between deposit rates and loan rates becoming small is a certain trend. In order to made up for the decreasing revenue, developing off-balance activities is a critical choice for our commercial bank's existence and development. This article starts with off-balance activities'present condition and problems of the commercial bank, then aims at how to unbind the conditional restriction which off-balance activities face and finally discuss the solution.