摘要
最近十多年来,一个突出现象就是表外业务迅速发展,包括表外业务涉及的范围、规模、数量、服务、利润。表外业务收入在总收入中占比突飞猛进,表外业务已成为国内许多商业银行利润来源的重中之重。但由于我国商业银行表外业务起步较晚,在表外业务风险管理方面与西方相比有较大差距,这影响了我国商业银行的国际竞争力。本文以中国建设银行的为例,主要研究表外业务风险管理的现状,问题,并针对现状提出一些建议。
In recent ten years,an outstanding phenomenon is the rapid development of off-balance sheet business including involved scope,scale,quantity,service and benefit.The income of off-balance sheet business is increasing rapidly in general income and off-balance sheet business has become the most important part of profit source of many domestic commercial banks.However,since the off-balance sheet business started relatively late in Chinese commercial banks,there still exists great difference between Chinese commercial banks and western commercial banks,which has affected the international competitiveness of Chinese commercial banks.By using CCB as an example,this paper mainly studies the present situation and problems of the risk management of off-balance sheet business and puts forward suggestions aiming at the present situation.
出处
《内蒙古财经学院学报（综合版）》
2012年第4期149-152,共4页
Journal of inner Mongolia finance and economics college
关键词
商业银行
表外业务
风险管理
风险抵补机制
commercial bank
off-balance sheet business
risk management
risk coverage mechanism
