摘要

表外業(yè)務(wù)在現(xiàn)代商業(yè)銀行業(yè)務(wù)結(jié)構(gòu)中的地位日趨重要和顯著，商業(yè)銀行經(jīng)營表外化己經(jīng)和經(jīng)營國際化、資本證券化一起成為國際金融業(yè)發(fā)展的三大趨勢。為了適應(yīng)國際和國內(nèi)金融市場日益激烈的競爭環(huán)境，提高綜合競爭力，發(fā)展表外業(yè)務(wù)己成為我國商業(yè)銀行必然而現(xiàn)實(shí)的選擇。然而我國商業(yè)銀行表外業(yè)務(wù)發(fā)展還處在初級(jí)階段，相對于西方商業(yè)銀行來講無論在業(yè)務(wù)品種、產(chǎn)品層次還是在管理手段等方面都還有很大的差距，因此必須加大表外業(yè)務(wù)創(chuàng)新的力度促進(jìn)表外業(yè)務(wù)的發(fā)展。基于我國商業(yè)銀行表外業(yè)務(wù)的現(xiàn)狀和同西方商業(yè)銀行在創(chuàng)新方面的比較，對我國商業(yè)銀行表外業(yè)務(wù)創(chuàng)新問題進(jìn)行一些深入的研究，已是非常必要和迫切。
本文綜合運(yùn)用了比較分析法、圖表分析法、定性和定量分析法等研究方法，介紹了表外業(yè)務(wù)及創(chuàng)新的相關(guān)理論，闡述了我國商業(yè)銀行發(fā)展表外業(yè)務(wù)的重要性，分析了我國商業(yè)銀行表外業(yè)務(wù)經(jīng)營的現(xiàn)狀并對我國商業(yè)銀行同西方商業(yè)銀行表外業(yè)務(wù)的創(chuàng)新進(jìn)行了比較，通過比較找出了差距，在借鑒西方商業(yè)銀行成功經(jīng)驗(yàn)的基礎(chǔ)上，提出了表外業(yè)務(wù)創(chuàng)新的具體對策建議。

關(guān)鍵詞：銀行 表外業(yè)務(wù) 創(chuàng)新

Abstract


Off-Balance Sheet Activities (OBSA) plays a more and more important and remarkable role in the business structure of modern commercial bank, commercial bank management form the OBSA, the internationalized management and the capital stock certificate have become the three greatest trends of international financial industry development. In order to adapt the international and native increasing financial market competition environment, improve the synthesizes competition ability, the developing of OBSA has become the inevitable but reality choice for our country commercial bank. However the development of our country commercial bank OBSA is still in the place of the entry-level stage, compared with western commercial bank we still have a large gap in business species, product layer and manage means, etc. so we must strengthen the innovation of OBSA and promote the development of OBSA. According to the present condition of our country commercial bank OBSA business and the comparison with western commercial bank in the innovation, It becomes necessary and urgent to do some thorough researched in the innovation of the commercial bank OBSA.
This paper comprehensively made use of compare and analytical method, method and qualitative and quantitative analysis method etc, introduced OBSA and innovation and related theories, elaborated the importance and risk to our country commercial bank develop OBSA, analyzed the present condition of our country commercial bank OBSA management, through the comparison with western commercial bank we found the gap with them. I put forward some related advice to the innovation of the OBSA on the foundation of the western commercial bank success.

Keyword: Commercial bank;
Off-Balance Sheet Activities(OBSA);
Inno

目錄

摘要......................................................Ⅰ
ABSTRACT .................................................Ⅱ
第1章 緒論................................................5
1.1選題背景................................................5
1.2國內(nèi)外研究現(xiàn)狀..........................................6
1.2.1國外研究現(xiàn)狀......................................6
1.2.2國內(nèi)研究現(xiàn)狀......................................6
1.3研究目的、意義及方法....................................7
1.3.1研究目的..........................................7
1.3.2研究意義..........................................8
1.3.3研究方法..........................................8
第2章 表外業(yè)務(wù)的概論
2.1表外業(yè)務(wù)的概念.........................................9
2.2 表外業(yè)務(wù)的特點(diǎn)........................................10
2.3表外業(yè)務(wù)的種類.........................................10
2.4 表外業(yè)務(wù)的意義........................................11
第3章中國農(nóng)業(yè)銀行XX縣支行表外業(yè)務(wù)的發(fā)展現(xiàn)狀及存在的問題
3.1xx縣農(nóng)業(yè)銀行表外業(yè)務(wù)現(xiàn)狀.............................13
3.2xx縣農(nóng)業(yè)銀行表外業(yè)務(wù)存在的問題...................... 14
3.2.1收入所占比重低....................................14
3.2.2.業(yè)務(wù)品種單一.....................................15
3.2.3 業(yè)務(wù)技術(shù)落后 ....................................15
3.2.4業(yè)務(wù)管理不規(guī)范....................................16
第4章中國農(nóng)業(yè)銀行XX縣支行表外業(yè)務(wù)的滯后的因素分析
4.1外部因素
4.1.1經(jīng)營環(huán)境的約束..................................17
4.1.2分業(yè)管理體制的約束..............................18
4.1.3立法不完善的限制................................19
4.2內(nèi)部因素
4.2.1經(jīng)營理念陳舊....................................20
4.2.2體制改革滯后....................................21
4.2.3專業(yè)技術(shù)和人才的缺乏............................22
第5章優(yōu)化中國農(nóng)業(yè)銀行XX縣支行銀行表外業(yè)務(wù)的策略
5.1完善內(nèi)部管理機(jī)制................................... 23
5.2 提高創(chuàng)新的能力......................................24
5.3加大人才培養(yǎng)和技術(shù)力度..............................26
5.4 加強(qiáng)風(fēng)險(xiǎn)防范和金融監(jiān)管..............................28
結(jié)束語 29
致謝 30
參考文獻(xiàn) 32
附錄1 35
附錄2 38