The Commercial Banks Operating Strategy Research Based On Optimization Algorithm

19th Century 1970s under half time, the major developed financial system has undergone profound changes. Formation of a long-term financial structure of the system and the division is facing major challenges and restructuring, globalization of the financial markets increasingly obvious trend, significant fluctuations in the financial commodity prices have greatly increased the cost of future investment and the uncertainty leading to new financial services industry with the concept of choice. Commercial Bank's economic environment has undergone tremendous changes, and commercial banks also faced with the rise of new financial services institutions increasingly intensified competition. In such a situation, the traditional banking services, means and methods are far from being able to meet the changed external environment. Commercial banks will have to find new financial services and tools, thus becoming the new financial products to create the center.After joining, particularly in the WTO transition period after the WTO China's banking industry will face the increasingly fierce international financial industry's competitiveness, In China, commercial banks in addition to "location" advantage, the other little advantages and disadvantages is very obvious. This situation is the reason for the extensive mode of operation for many years, a large number of policy-oriented loans, highly indebted state-owned enterprises are inefficient operations and, of the claims of financial institutions without effective protection, the financial industry has been formed for a fair and orderly competition and other situations. Since China's commercial banks will be a great impact on China's commercial banks face a variety of financial risks will be more exposed, Therefore, our banks to enhance competitiveness and tighten credit asset management, to improve their internal control system, vigorously develop broad prospects for the retail business and intermediate business in particular, the optimization of commercial banks operating strategy is no time to lose.In this paper, control theory, game theory, fuzzy theory, Modern optimization algorithm theory and the theory of commercial banks of study and research on the basis of from several aspects of the bank's business strategy forecasting and optimization, liquidity risk management issues such as a forward-looking, innovative and practical idea for the solution.First the bad assets of basic research. Specifically including the definition of non-performing assets, the cause of our economic impact of a series of problems, then theoretically the prevention of non-performing assets, banks provide theoretical support. The second loan portfolio decision-making study. Reduce non-performing assets and to control risk, banks should consider profitability. Profitability of banks loans are one of the major ways in particular the loan portfolio. Liquidity loaned whether those enterprises if the bank must consider the return and risk, and the simulated annealing method than other better.3rd Bank Securities Investment Research. In order to spread the risks and reduce the risks, not all banks for liquidity loans must be part of the funds goes to easily realizable and the relatively small risk of the securities industry in China. This chapter genetic algorithm optimization for the bank to provide a specific investment securities decisions. Keywords: commercial banks; Nonperforming loans; Simulate anneal algorithm; Genetic algorithm.