我国商业银行资产管理的研究毕业论文.doc

PAGE 毕业论文 我国商业银行资产管理的研究 Chinas Asset Management of Commercial Banks Research PAGE IV 摘 要 现在我国正处在经济快速发展的阶段，随着我国经济实力的不断提高，国家对银行的要求也越来越高。商业银行是我国金融业的重要组成部分，其经营状况不仅影响着银行自身的发展，而且影响着国家经济的发展。随着全球化的发展，我国商业银行面临着越来越多的竞争和压力。为了能够在竞争中处于优势地位，获得更多的利益，我们只有不断提高商业银行的实力，扩大我国商业银行在国际中的影响力。那么提高商业银行的实力我们必须完善商业银行的管理制度，健全的管理制度才有利于商业银行稳定快速的发展。 资产直接影响商业银行的经济效益和未来的发展，那么对商业银行的资产进行管理就能够更好的提升商业银行的经济效益。因此,商业银行资产管理是非常重要的一项管理内容，研究商业银行资产管理对于我国商业银行的发展具有非常重要的意义。 本文首先介绍了商业银行资产管理的内容以及必要性，其次具体说明了现金资产管理﹑贷款管理以及证券投资管理，最后结合实际指出了我国商业银行资产管理中存在的问题并提出相关的对策。 关键词：资产管理 现金资产管理 贷款管理 证券投资管理 Abstract Now our country is in the stage of rapid economic development, with the improvement of Chinas economic strength, the national bank higher requirements. Commercial Banks of Chinas financial industry is the important component of the operating condition, not only affects the banks own development, but also affects the development of national economy. With the development of globalization, Chinas commercial Banks face more and more competitive and pressure. In order to be able to compete in dominance, get more benefit, we only have constantly improve the strength of the commercial Banks, and expand the business bank of our country in international influence. So to improve the strength of the commercial Banks, we must improve the commercial bank management system, perfect management system is beneficial to the development of commercial bank stability quickly. Assets of commercial Banks directly influence the economic benefit and the future development of commercial Banks, then the assets management can improve the economic benefit of commercial Banks. Therefore, the commercial bank asset management is very important content of management, commercial bank asset management to study the development of commercial Banks in China have very important significance. This paper introduces the contents of assets management of commercial Banks and the necessity, secondly, the cash asset management, management of loans and securities