In recent years, small and medium-sized banks in the business of foreign exchange when there are some unfavorable factors such as obtaining foreign exchange derivatives qualiifcation dififculty, the foreign exchange deposit insufficiency, high operating costs and foreign exchange business single species restricted its healthy development. Aiming at the above problems, we should gradually reduce the market access conditions, adjust the foreign exchange management index, appropriate to reduce operating costs, improve the medium and small banks risk control ability to solve.%近年来中小银行在开办外汇业务时存在一些不利因素如获得外汇衍生产品资格难度偏大、外汇存款不足、营运成本偏高以及外汇业务品种单一等限制其健康发展.针对上述问题,应从逐步降低衍生品市场准入条件、调整外汇管理指标、适当降低营运成本、提高中小银行外汇业务风险防控能力来解决.
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