The Research On Asset Quality Management Of City Commercial Banks

At present,China has experienced various commercial credit risks in the context of the escalating economic restructuring.The transmission to the traditional financial industry is mainly reflected in the continued deterioration of the main business loans of commercial banks,and both the amount and ratio of non-performing assets continue to rise.As a company,the quality of commercial banks assets is directly related to the business performance of the company,thus asset quality is a mainly goal pursued by Bank boards,managers and other stakeholders.Under the background of macroeconomic situation such as interest rate marketization,financial disintermediation and competition in the industry,Z Bank's asset quality management plays a vital role in its business status,corporate competitiveness and future development.This paper first learns from the theory and research results of enterprise asset quality,and the comprehensive evaluation method of commercial banks,then forms the analysis framework of commercial banks' asset quality,based on all the research and methods then introduces the composition and characteristics of Z Bank's assets by analyzing the 2015-2017 business data.Using vertical comparative analysis and horizontal comparative analysis methods,this article evaluates Z Bank's existing asset quality management system,overall quality of assets,asset structure quality and asset quality of different categories.By selecting other city commercial banks' data from 2015 to 2017 as sample,the paper uses principal component analysis method to comprehensively evaluate the asset quality of Z Bank,finding that Z Bank does have some problems like potential risk of credit assets,decline in profitability,low core capital adequacy ratio and liquidity risk in asset quality management.Combining the current situation of Z Bank's operation,and drawing on the excellent practices of other banks in asset quality management,finally it proposes various forms improvement of Z Bank's asset quality,for example properly handling non-performing assets,reducing credit asset risk,developing retail business to improve profitability,and combining multiple channels to raise core capital adequacy ratio,strengthening risk control system rationalization proposals to strengthen liquidity and asset management.