Strategy Study Of Assets Structure Of Chinese Commercial Bank

The Chinese banking is undergoing a deep-going reform process. Assets structure has become a key issue as the Chinese commercial banks are being transformed into monetary intermediaries that conform with the demand of the economy of modern market. The adjustment of assets structure of commercial banks is an effective measure against the international competition and interest market-oriented reform and it is of great instructive significance in practice. With the method of combining standards with concrete proofs and through the vision of an manager of a commercial bank, this thesis will make the readers acknowledge and probe into the necessity,feasibility and implementation of the strategy of the adjustment of assets structure of commercial banks.The assets structure refers to the status of the layout,comparative scale,reciprocal relations and coordination of different components of assets of commercial banks. The adjustment will positively change the status. In the first part, a study is made on the theoretical basis of adjustment of assets structure of commercial banks through the analysis of the reciprocal relations among the three departments: fund surplus department-commercial banks-fund shortage departments. It is to find out the theoretical bearing point for the assets structure of commercial banks and to show that the adjustment of assets structure of commercial banks originates from the requirement of the law of the reciprocal development of supply and demand of financial resources as well as the self-requirement of the management of commercial banks. In the second part, a practical inspection over the proofs of the adjustment of assets structure of commercial banks, with data and comparisons, the existing problems of assets structure of commercial banks are unveiled. Its adjustment should brook no delay. For the present phase of the adjustment of assets structure, emphasis should be laid on the increasing the ratio of bond-assets. In the third part, With the inside and outside supports, the feasibility of the adjustment of assets structure is well expounded and proved. The Chinese commercial banks should draw the experience of the adjustment of assets structure introduced by Hongkong and Shanghai Banking Corporation as a representative of an international commercial bank. In the fourth part, an analysis is again made with the theory sublimed from practice, probing that the adjustment of assets structure of the Chinese commercial banks should observe the principles of adaptability,market-orientation and opening and that both the government sector and the commercial banks themselves should push forward the implementation of the adjustment of assets structure.