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80年代以来,国际银行业的盈利领域产生两大趋势:一是从传统信贷业务转向金融衍生业务,二是从表内业务转向表外业务。这是在国际金融衍生工具市场蓬勃兴起的背景下形成的,而银行涉足衍生金融市场又极大地推动了这一市场的发展,并已成为市场的主体。由此增加了金融业的风险,要求对它进行有效的监管。
Since the 1980s, the international banking industry has two major areas of profitability: First, from the traditional credit business to financial derivative business, the second is from the table business to off-balance sheet business. This is formed in the background of the flourishing international financial derivatives market, and banks involved in the derivative financial markets have greatly promoted the development of this market and has become the main body of the market. This has increased the risk in the financial industry and demanded effective regulation of it.