Study On Development Of Off-Balance-Sheet Activities In Our Country's Commercial Banks

China has been one of the WTO members for more than 4 years, at the ending of transition, more and more foreign banks stretch its branches in China, compete and collaborate with the banks of host. At the meanwhile, with the development of capital market and the processing of rate-market reform, the space of commercial banks'profits which come from its traditional business is becoming small and small. Now, there are no advantages for domestic commercial banks to compete with the foreign banks, because their profits mainly come from deposit-load business in the past. In this situation, the domestic commercial banks have to look for new profit originations. Being confronted with this double crisis, China's commercial banks have to seek a new profit origination, it is the OBSA.At present, the OBSA of our country's commercial banks is on the beginning, though it developed fast in the last few years, there are big gaps between the domestic commercial banks and the foreign ones. We can found that there are large differences in the OBSA development circumstance, development degree and development trend between China's commercial banks and foreign ones under the compares and analysis from different aspects and deeply. In the past, OBSA had been seen as the assistant business, the OBSA development lacks of scientific plans and strategic guidance. It causes slow management benefit, and its function was neglected. Meanwhile, due to the management mechanisms and systems as well as the other subjective and objective effects, the OBSA development in China's commercial banks lacks of enough outside pressures and inside drives. They developed slow and in low levels, as well as low profits, so it is difficult for China's commercial banks to catch up with the foreign ones in a short time.Currently, China's commercial banks should improve the outside circumstances and its outside buildings gradually, with the perfect and progress of inside and outside circumstances, have something to do and not to do, insist the principles of"planning strictly, promoting regional, going step by step and having emphases", constitute scientific and feasible strategies of OBSA development and promote the jumpy development of OBSA, all of these should be based on themselves'development requirements and aims.