Research On Asset Allocation Plan Of Capital Business Of Dezhou Rural Commercial Bank

With the consistent development of market-oriented reform of interest rate and the intensifying competition in the industry,the net interest rate difference of the traditional deposit and loan business that the rural commercial bank mainly relies on will be further reduced.The future trend and main concern of small and medium-sized financial institutions which are represented by rural commercial banks are to implement of market strategy with large capital business as its core and innovatively develop new financial tools and products in capital business field,so as to realize optimal allocation of capital assets in capital business.By discussing the capital business and capital allocation of the commercial bank,the thesis summarizes the characteristic of rural commercial banks in recent years that the portion of interbank assets is increasing and chooses Dezhou Rural Commercial Bank,which has been established earlier in the region and is quite representative in its business development as the research subject.Through analysis of the overall capital business and its operation,the thesis points out that Dezhou Rural Commercial Bank has made significant changes in capital allocation structure,profit sources,macro policy tracking while deepening into the financial market.Meanwhile,the thesis raises the problems of the bank,including insufficient capital products,fund idling,high leverage,term mismatch and limited capacity of employees,etc.,and points out the main reasons that constrain the capital business and its development.In order to better develop capital business and improve profitability,the improvement scheme of capital assets deployment for capital business of Dezhou Rural Commercial Bank is made,so as to improve capital asset efficiency and realize optimal allocation by improving organizational structure,recruiting elite employees,building database and strengthening risk management.