Statistics Of China's Commercial Banks To Asset Allocation Study

With the action of finance being enhanced, the effect of financial asset allocation is reinforced in modern economy. The conimercial banks, as the leading actors in the financial organization, should implement efficient allocation of their asset; which can improve the optional allocation of social resource and contribute to national economy growth. China is a developing country with vast population and limited natural resources. While the commercial banks play a leading role in the financial arrangements, so it is quite meaningful to research assets allocation in China commercial banking system. Based on a great deal of data, this thesis places particular analyses about the asset allocation of China commercial banking system, and then, puts forward the following issues: the ration of deposit and loan is changed from he amount of loan exceed the amount of deposit into he amount of deposit exceed the amount of loan with the fast expansion of asset amounts, commercial banks presentthe singtIlar smictUre and the low quality of their assets..'a great deal of inferior assets with decreasing quality. the liquidity of commercial banks assetS and liabilities keepdecreasing.Further more, it provides a primary assumption to optimizeconunercial bank's asset allocation, including'. tO imProve the macro econondc envirOnIn.. to optedze the smicthe of assets.. to convert the mode of connnercial bank's oPefation.. to dissolve the inferior assets.. to increase the liquidity of bank's assetS.