商业银行资产结构优化研究——以中国工商银行为例金融学专业论文.docxVIP

PAGE PAGE VI Assets Structural Optimization of the Commercial Banks - Taking ICBC for Example Abstract At present, the concentration degree of financial resources in China is very high, the degree of financial market developed is low and the indirect financial instruments starts late which means the financial system allocates financial resources mainly depending on the banking financial institutions. As the backbone of financial system, the asset structure of commercial banks affect not only the risk and return, but also the efficiency and risk of the whole financial system. With the increa