Sheet Of Commercial Banks, Business Innovation And Risk Control

Since the 80s of the 20th century, under the background of financial liberalization, the change has taken place in the market environment of the commercial banking. The frequently motion of international interest rate and foreign exchange rate, the competition of banking market, the revolution of financial regulatory system and the developing of financial technology, all of these elements make commercial banking must to be all-round banking, electronization, globalization and securitisation, and the development of OBSA was a obviously trend.Nowadays, off-balance-sheet activities (OBSA) are taking a more and more important position in the business operating of commercial banking. In developed countries, the income of off-balance-sheet activities has exceeded which from traditional asset-liability activities. In China, the OBSA are also developing very rapidly in recent years. No matter on the scale, range or professional level, however, there are still great disparity compared with the western countries. With the final opening of financial market, all commercial bank in China must get greater achievement in product-innovation to take an advanced position in competition. The OBSA can bring more income to commercial banks; also bring more risks to banks. So the risk management of OBSA is particular important to modern management of commercial bank.This paper state the intension of OBSA according to Basel Committee's principle, and try to research the innovation models of OBSA in China today. Under the studying the risk of OBSA, give the strategy suggestions of innovation models and the risk management of OBSA.