Study On Risk Control Of Off-Balance Sheet Business Of Yunnan Branch Of A Bank

Since 2010, China's economy has entered a new round of rapid growth period. From 2010 to 2014, the national economy continued to grow rapidly, the average annual economic growth rate reached 8.5%. In the context of rapid economic development, the banking business has also been vigorously expanded. With the traditional loan business spreads narrowed, whether it is state-owned commercial banks or joint-stock banks are actively innovative financial products, develop off-balance sheet business. The off-balance sheet business innovation, and constantly expand the scale. Of course, the economy is unlikely to be as good as people expected, the last five years by the investment driven development model has also brought a stream. By the impact of the economic downturn, the domestic economy into the difficult period, the international economic recovery is weak, bank business seems to be back to the night of winter, non-performing loans of individual commercial banks even more than 2% of the cordon supervision department. Statistics show that the off-balance sheet business has become a high incidence of non-performing loans. This paper introduces the economic background of the rapid development of the past five years, researchs the commercial bank current off-sheet business situation.commercial bank should strengthen the external business management and risk control.To research the business development status and risk status of commercial bank, this paper selects three risk cases of commercial bank. Commercial banks should return to standard in the process of economic development, manage safely, to avoid more bad loans. The move is conducive to commercial bank to improve the existing business philosophy, to rebuild healthy corporate credit culture, in the context of economic development under the new normal and sustainable development and gain competitive advantage.