表内业务

信用风险既存在于传统的贷款、债券投资等表内业务中，也存在于信用担保、贷款承诺等表外业务中，它随着银行业务创新而日趋复杂。

With the innovation of products in banks , credit risk becomes more and more complex .

它不但指资产上的风险，也包括负债上的风险，既有表内业务的风险，也有表外业务的风险。

It not only refer to the risk assets , including , the risk of liability on both the business risk of the table , and balance-sheet business risk .

对商业银行表内业务信用风险的管理，目前国际上有许多成熟的成果。

There are lots of mature fruit about balance sheet of commercial bank credit risk management , recently the business of off-balance sheet has played a more and more important role .

目前，我国商业银行的表内和表外业务发展水平不高，结构不尽合理，品种单一。

At present , the development of the internal and external business of the commercial banks is not fast , and the structure isn 't reasonable .