Study of Development Strategy for Off-balance Sheet Business of Chinese Commercial Banks

Great changes have taken place in the environment of commercial bank development in China, and the bank can not totally rely on the traditional interestmargin income from deposit and loan business any more. The offbalance sheet (OBS) business is an important form to earn noninterestmargin income. Because of some external and internal conditions, the level of our country's OBS business is relatively low. In order to meet the keen competition and challenge from foreign banks, great efforts must be made for the development of OBS business.