China Listed Banks In The Table Outside The Business Of Credit Risk Research

Recent years, the off-balance-sheet activities have developed quickly because of the characteristic of no require for capitaK strong ability of profit and low risk. The income of the off-balance-sheet activities even has exceeded the traditional interest income and becomes the main source of profit of western commercial banks. But because of the irrationally price, the Listing Bank's income of the Off-balance-sheet activities in our country doesn't increase with the growth of the scale. The off-balance-sheet activity doesn't play its due function for the increasing of the Listing Bank's income. On the contrary because the staffs ignore the risk of the off-balance-sheet activity may be produced, pursue the enlargement of the off-balance-sheet activity scale, pay no attention to off-balance-sheet activity's quality and profit ability, so aggravate the off-balance-sheet activity's risk, especially credit risk.From comparing and analyzing the date of the off-balance-sheet activities of the 5 Listing Banks in our country and the 10 Listing Banks in Hong Kong , this article find the disparity in the development of the off-balance-sheet activities of the Listing Banks in our country: the development of traditional off-balance-sheet activities reach certain scale ; But it is far behind that derivatives are developed; The disclosure of information about the off-balance-sheet activities is too simple. After analyzing and measuring the credit risk of the off-balance-sheet activities in the Listing Bank of our country, combine the question existing in the development of off-balance-sheet activities in our country, point out the problems existing in the credit risk management of the Listing Banks, using the successful experience of the management for credit risk in the western banks for reference, discuss how to strengthen the credit risk management of the off-balance-sheet activities of the Listing Bank in our country.