90-我国商业银行的现状及发展分析（Analysis of the current situation and development of 90- commercial banks in China）.docVIP

90-我国商业银行的现状及发展分析（Analysis of the current situation and development of 90- commercial banks in China） Financial assets and financial liabilities as the business object, to provide customers with multi-functional, integrated services of financial enterprises. Commercial banks have the functions of credit intermediary, payment intermediary, credit creation and financial service. The business of commercial banks can be divided into three categories: debt business, asset business, intermediate business (or off balance sheet business). Liabilities are the business of commercial banks to form sources of funds. The sources of funds for commercial banks can be divided into two categories: bank capital and bank liabilities. Bank capital is usually composed of common stock, preferred stock, surplus, capital notes and bonds, and various reserves. Bank liabilities consist of deposits and other liabilities Form. The assets of commercial banks mainly include cash in stock, loans, securities investment and other assets. The intermediate business of commercial banks is a business that accepts the clients entrustment, provides various services for clients, and charges commissions, commissions, administrative fees and so on. The commercial banks in China present the following characteristics. The commercial reform of Chinas specialized banks is carried out under the condition that the market economy has just started. This determines that there are many contradictions and problems in commercial banks during the conversion process. Specific and Taiwan, that is, Chinas commercial banks is big and poor.. First, the banking operating efficiency indicators The operating performance of the banking industry there are 5 main indicators index: net return rate of total assets (total assets / pre tax profit * 100%), the net rate of return of capital (capital / pre tax profit * 100%), the cost to income ratio (total cost / total income * 100%), interest income ratio (interest income / total incom