Research On Development Problems Of L City Commercial Bank's Non-credit Asset Business And Countermeasures

In recent years,with the basic accomplishment of interest rate marketization reform,increasingly fierce competition among commercial banks,and continuously narrowing trend of deposit and loan spread,all of these put forward a huge challenge on city commercial banks which have long depended on deposit and loan business.The implementation of the CBRC "capital management measures for commercial Banks"(trial implementation)has continuously strengthened the capital constraints of commercial banks.The changes in the macroeconomic and the implementation of the macro-prudential evaluation system of the people's bank of China also make the development of credit asset business not as optimistic as before.In this context,in order to find new profit growth point,city commercial banks begin to attach importance to and develop non-credit assets business,promote the business transformation,and push forward the rapidly increasing scale of the non-credit assets business.Since 2017,the regulatory layer has continuously issued documents to govern the market turmoil in the development of non-credit asset business such as "three arbitrage","three violations" and "four improper".The tightening of regulatory policy has brought great challenges to the development of non-credit asset business.Under current economic and supervision policies,how to develop the non-credit asset business in city commercial banks has become the subject of exploration and research by financial practitioners and professional scholars.This thesis is based on the practical situation of L city commercial bank.By drawing lessons from the research achievements of domestic and foreign experts and using methods such as factor analysis,chart analysis and combination of theory and practice,this thesis studies the development of the non-credit assets business.Firstly,this thesis introduces the overview of non-credit assets business.Secondly,this thesis makes an introduction on the present development situation of the L city commercial bank's non-credit asset business from the aspects such as the structure of the assets and liabilities,the main business types,the capital investment and the client group.Then,according to the current macroeconomic situation,regulatory policy and business characteristics,this thesis makes a deep analysis of the L city commercial bank's current problems on the non-credit assets business and points out the main cause of these.Finally,in order to better maintain the non-credit assets business development situation,this thesis puts forward targeted counter measures on the non-credit assets business problems of the L city commercial bank as follows.The first one is to change management idea and management style.The second one is to establish and improve the internal control system.The third one is to strengthen the incentive restraint mechanism.The forth one is to strengthen the management of assets and liabilities and promote business transformation.The fifth one is to strengthen the risk management of noncredit assets.These methods give advices on the continuous and steady development of the L city commercial bank's non-credit assets business,provide beneficial references for other small and medium-sized commercial banks' assets and liabilities management and business transformation,and make up for blank of the research of the domestic small and medium-sized commercial banks' non-credit assets business under the current regulatory policy as well.