The Asset Quality Of Commercial Bank Credit Research

As the main resources owned or controlled by the commercial banks,which are expected to bring economic benefits, credit assets' quality directlyaffects commercial banks' operation results and long-term development.Therefore, the credit assets are also called "lifeline" of the commercial banks.In recent years, the quality of the credit assets of Chinese commercial bankshas improved to some extent. However, a lot of pitfalls still exist in it. In thepast years, most of the research on credit assets lies in how to dispose the badassets. To the contrary, the author thinks the best way to improve the qualityof credit assets is to protect the risk management pattern as soon as possible,to establish standardized and effective credit process, to correctly guide thecommercial banks to practically improve the quality of credit assets andreduce the loss of credit assets' risk. By doing this, the operation benefits canbe increased and the sustainable and stable improvement of the commercialbanks can be safeguarded.Basing on the above thoughts, this paper makes research andelaboration on the questions related to the quality of credit assets ofcommercial banks. The text is divided into five parts and the concrete frame isas follows:In Chapter one, this paper reviews and evaluates the history of theresearch on the quality of commercial banks' credit assets and points out threeshortages in the process of the research.In Chapter two, by chiefly stating the assets structure of commercialbanks and introducing current situation of the credit assets' quality indomestic and foreign commercial banks, this paper discovers the creditmanagement disparity between China and developed countries.In Chapter three, this paper reveals the key factors which affect thequality of credit assets of domestic commercial banks and elaborates thecauses which restrict the level of the quality of credit assets from both macroand micro aspects.In Chapter four, by reconsidering the current solution pattern of creditassets' quality of commercial banks, this paper proposes designing themanagement solution from two aspects which are risk control and creditprocess reengineering. It also states the new thoughts of transforming themanagement of credit assets from disposing bad assets to strengthening themanagement.In the end, this paper comes to the main conclusions and points out theshortages in the paper and the questions remains to be researched on.