商业银行的运营有三大绳尺(国外英语资料).doc

商业银行的经营有三大原则 The relationship between commercial Banks Abstract: safety, liquidity and profitability is the basic principle of operation and management of commercial bank, commercial bank as an enterprise, only the profit maximization as the goal, to survive in the competition. With the rapid development of the financial sector and excessive innovation, the relationship between the three kind only faced with new challenges, to explore and locating the relations between and among safety, liquidity and profitability, has significant meaning for the development of modern commercial Banks. Keywords: security, liquidity, profitability, relationships Commercial Banks have three main principles: profitability, mobility, and security. The three principles are unified and contradictory. Overall, safety and mobility are positively correlated; Liquid assets, small risks and security. But they are often contradictory to profitability: strong liquidity, good security and often poor liquidity and high risk. The relationship between the three is discussed in the following aspects. Profitability is the most important of the three principles. The pursuit of profit is the intrinsic motivation to improve service, exploit business and improve management. The importance of profitability stems from the nature of commercial Banks as economic men. Any one in economic activities is the individual (can be unit, individual enterprises, etc.) are in profits as its ultimate goal, profitability is the enterprise operate basic guarantee. In the macro sense, commercial Banks are the main players in the national financial market and play an important role in macro-economic dispatching. From the microcosmic point of view, commercial Banks also have to participants in economic activities, is also in the commodity market and factor market marketing activities of individuals, so profitability is the most essential characteristic of commercial Banks. Second, security is another important element. Safet