| 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 increasingly vigorous 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, chart analysis 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.This paper is totally divided into six parts: The first part mainly introduces the background and meaning of this paper, analyzed the present research condition, put forward innovation and shortage of text. The second part introduced the meaning of the OBSA, the differences between the intermediary business characteristics, category, innovation and other related theories .The third part analyzed the importance of the development of OBSA to our country commercial bank and the risk that will bring. The fourth part introduced the present development condition of our commercial bank OBSA from the species, income aspect. The fifth part made a comparison between our country commercial bank and western innovation circumstance of OBSA the commercial bank from the following four aspects: innovation surrounding, innovation product, develop mechanism of new product and innovation product price mechanism. Among them these parts emphasize analyzed product development of the OBSA and list price problem what closely related to our country current mix management trend and innovation level. The sixth part puts forward the principle and concrete measure also put forward the new product develop process of our country commercial bank through the using of the successful experience of western country commercial bank. |
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