关于规范商业银行创新型非标债权业务发展的思考

摘要

In recent years, commercial banks have greatly developed innovative non-standardized creditor’s right business with the characteristics that the specific modes develop from simple to complex, from balance-sheet to off-balance-sheet and from books to out of books, and business risks take on the trends of diversification of participating organizations, complication of business modes, and concealment of business risks. Based on the analysis of inner motivation and stake of the development of innovative non-standardized creditor’s rights business of commercial banks, according to the principle of drawing on the advantages and avoiding disadvantages and mitigating and restricting, the paper puts forward relevant policy suggestions to further standardize the business development.%近年来，商业银行大力发展创新型非标准化债权业务，具体模式呈现从简单到复杂、从表内到表外、从账内到账外的发展特征，业务风险呈现参与机构多元化、业务模式复杂化、业务风险隐蔽化的趋势。本文在分析商业银行创新型非标债权业务发展的内在动因和利害关系的基础上，按照趋利避害、疏堵结合的原则，对进一步规范业务发展提出相关政策建议。