中国商业银行表外业务发展滞后的原因分析

针对中国商业银行表外业务与国际相比发展落后的现状，从两个方面，即商业银行自身是否具有发展表外业务的主观感望和我国现阶段是否具备开展此项业务的客观条件，分析其原因。研究认为，由于目前主客观两方面条件尚未充分具备，导致了表外业务的发展滞后。同时，依据对主客观两方面条件变化的预期，得出了我国银行业有必要也有能力加强表外业务发展的结论。

Research on the Underdevelopment of Off-balance-Sheet Activities in Commercial Banks of China

This paper concentrates on off-balance-sheet (OBS) activities in commercial banks of China that are far behind the international level and gives a detailed analysis from two sides. One is whether commercial banks of China are willing to exploit the OBS activities,wheras the other concerned if there were some necessary objective conditions needed by the OBS activities in China. The fact that conditions within both of the two sides are not fully met causes the underdevelopment of the OBS activities in China. Based on the perspective of the changing conditions above, enhancing the development of the OBS activities in commercial banks of China is necessary and feasible.