Discussion On Assets Management Of Commercial Banks Of China

This article define and classify assets of our country commercial bank。Also, analyze the present situation of assets of our country commercial bank. Makes every effort to profit from the theory and the method -- management of assets and debt that the commercial banks of the overseas developed country has used .banks should follow the three principles, namely, Fluidity, security, profit and optimizes the bank asset, reasonably arranges the proportion of property. Only has does this can meet the challenge the foreign banks comprehensively enter China.This paper altogether is divided four parts, its main content as follows: The first part analyze present situation of assets managed of our country commercial bank. Firstly, define and classify assets of our country commercial bank。Then, the paper clearly analyze existence the questions about management assets. Because only realized to which is the bank property, can clearly analyze its extant question.Through the finance reform for 20 years, our country'commercial banks have experienced a swift and violent expansion time about total quantity of property and the debt。Banks'Comprehensive strength also has rises gradually. But, also has the deep level the question except of quantity expansion.In detail, Comparing with the foreign-capital banks, our country commercial banks have the inferiority about the following aspects: sufficient rate of capital, the rate of bad property, the fluidity, the ability of creating profit and the forms of assets .The second part mainly elaborated the principle about assets management of commercial bank and the practice about assets management of our country commercial banks. Any bank must follow the"three principles ", namely fluidity, security, profit. The commercial bank is acting the count for much role in a country economy movement. Because the commercial banks play a very important role in a movement of economy and finance of a country, looking on the surface, the"three principles"are mutually contradictory, but, their...