商业银行经营管理中的表外业务研究

摘要···········································································································2

前言···········································································································3

一、我国商行表外业务的现状·······························································4

（一）商行表外业务内涵·······································································4

（二）我国商行表外业务的风险及风险防范·······································5

（三）影响我国银行表外业务的主要因素···········································5

二、我国商行表外业务创新与拓展的现状及障碍性因素····················7

（一）我国商行表外业务创新································································7

（二）我国商行表外业务创新与拓展的障碍性因素···························8

三、我国商行表外业务的对策及创新性发展·······································9

（一）发展我国商行表外业务的对策···················································9

（二）我国商行表外业务的创新发展···················································10

四、我国商业银行表外业务还有进一步发展的空间···························10

（一） 满足客户多样化金融服务需求的需要·····································12

（二）参与银行业市场激烈竞争的需要···············································13

（三）参与银行业市场激烈竞争的需要···············································14

小结···········································································································15

参考文献··································································································16

摘 要

20世纪80年代以来，随着金融行业竞争的日益激烈和金融产品的不断创新，商业银行的经营环境发生了急剧变化,利率和汇率波动频繁、金融业竞争日益激烈、技术革命日新月异，摆脱过去单纯的吸存放贷，转向多角度、全方位的业务发展模式已成为当今各家银行的共识。在这种情况下，表外业务作为金融创新的重要内容，涉及客户、同业等方方面面，而且提供手续费等收入来源，其开发与拓展成为各家银行在激烈竞争中生存发展的新武器，它不仅拓宽 了银行的业务领域，还增加了银行的利润。正是这些因素促使商业银行的经营走上了综合化、电子化和证券化的道路。经营模式也发生了深刻变化，其中最引人注目的就是表外业务的飞速发展。

在存贷业务发展利润空间缩小及银行全能化的趋势中,为了提高我国商业银行的综合竞争力,发展表外业务是必然选择。另外随着我国银行业的全面开放,外资银行的进入加快了银行表外业务的发展步伐,使得表外业务发展缓慢的我国商业银行面临极大的挑战。因此,对我国商业银行表外业务进行研究意义重大。 本文以商业银行表外业务为研究对象,借鉴国外商业银行表外业务发展的经验,详细介绍我国商业银行表外业务发展现状,深度分析我国商业银行表外业务发展缓慢的制约因素,对商业银行表外业务范围经济进行实证分析,再对我国商业银行表外业务做出一些战略构想,最后针对性地提出对策建议。

关键词：商业银行，表外业务，创新，发展，对策