A Study On The Judgment And Improvement Of Asset Quality Of Urban Commercial Banks

The asset quality of an enterprise has a direct impact on its business performance and its survival and development.Investors,managers and other stakeholders all attach great importance to asset quality,which is one of the important elements to achieve the strategic objectives of enterprises,and also an important indicator to measure the sustainable development potential of enterprises.With the deepening of the market-oriented degree of social economy,the banking industry has gradually moved towards the market operation mode,facing more open and changeable environment,increasingly fierce market competition,and increasingly severe macroeconomic situation.Only when ad bank has a deep understanding of its own asset quality and improves its asset quality management ability and methods,can it be invincible in the fierce competition and achieve sound development.This paper chooses ad bank as the research object,deeply analyzes the status quo,problems and causes of the bank's asset quality,and puts forward specific countermeasures for improving the asset quality.Firstly,this paper analyzes the theory of asset quality of non-financial enterprises and summarizes the research results.Then it discusses the operation and asset characteristics of commercial banks,and forms an analysis framework.Next,we use a variety of analysis methods to analyze the asset quality of ad bank,and discuss the similarities and differences between the asset quality of ad bank and other types of industries,and comprehensively evaluate the asset quality of ad bank through the principal component analysis method,and discuss the problems and reasons,and put forward optimization measures from six aspects,such as improving the comprehensive pattern and expanding the assets Scale,adjustment of asset structure,improvement of liquidity and liquidity,etc.This paper chooses ad bank as the research object,analyzes the problems in asset quality of the bank,including low capital adequacy ratio,poor profitability and so on,and puts forward improvement measures from four aspects,such as strengthening credit management,implementing all-round quality management,developing intermediary business and so on.This paper deeply analyzes the problems of the asset quality of ad bank,and puts forward specific solutions,which is conducive to improving the market competitiveness of the bank,and has certain reference significance for other city commercial banks to improve the asset quality.