on the commercial bank management problems and coping strategies（商业银行管理问题和应对策略）.docVIP

On the commercial bank management problems and coping strategies Abstract: The pursuit of profit maximization is the goal of the operation of commercial banks, state-owned commercial banks are no exception. To achieve this goal, the state-owned commercial banks operating on the need to pay attention to safety, to avoid risks, adjust asset-liability structure, and adherence to the ‘effectiveness , safety, mobility ‘principle. In this regard, this paper analyzes the current state-owned commercial banks in the Management of a number of issues, and puts forward the main measures to strengthen management. Keywords: commercial banks, management, issues, strategies First, problems in management (A) the lack of own capital. Capital refers to its own funds, it is business risk incurred by the banks, the banks existence and development. By lt;lt;Commercial Banksgt;gt; states: ‘The capital adequacy ratio of not less than 8 percent.’ China’s commercial banks not meet this requirement. China’s state-owned banks with capital, mainly from the financial sector allocation of credit funds, special funds and profit repatriation. reform before, due to traditional eating ‘iron rice bowl’ effect, the financial allocation stretched, the former bank more emphasis on services and less business sense, profit is running out, the return can be imagined, poor demonstration of its own funds. (B) the financial self-sufficiency is not strong, operating cash flow problems. Before the transition, the line at all levels of the deposit assessment tasks, loan indicators, to close loans and earning interest task, not the implementation of asset-liability management, and more emphasis on local economic development, consider themselves less operating efficiency, there exist re-light loans, deposits less, loans and more. Some credit lines chronically poor, resulting in financial constraints, and sometimes occupy the exchange differences, often by lending money to live, self-devel