Status Quo Analysis And Countermeasure Discussion Of Current Credit Assets Bussiness In Bank Of China

The credit assets business is the principal assets business and the primary source of profit in state-owned commercial bank. The credit asset quality, dimensions and structure are crucial factors in realizing the target of safety, profitability and liquidity of the bank.This paper introduces the previous and current situation of credit assets business in Bank of China, one of the four state-owned commercial banks in China, and analyzes the causes of bad loan, Thus it draws a conclusion that the essential way to improve the credit assets structure and solve the problems of bad loan is to build and consummate the modern enterprise system and realizes the management control of credit assets business. Therefore, this paper provides a practical guide in solving the problems of bad loan thoroughly and bringing the Bank of China to be a competitive international bank within 3 to 5 years.