我国商业银行资产业务现状及对策研究.docx

PAGE PAGE III 目录 TOC \o 1-3 \h \z \u 1.引言 1 1.1研究背景、目的及意义 1 1.2研究方法 1 1.3相关文献综述 2 2.我国商业银行资产业务发展的现状 6 2.1我国商业银行资产业务的现状 6 2.2我国商业银行资产业务的创新 9 3.我国商业银行资产业务现状存在问题分析 11 3.1我国商业银行贷款业务分布不均匀 11 3.2贷款业务产生的不良贷款数额增加 11 3.3理财业务战略出现偏差和信息披露不够充分 12 3.4内部组织机构制约了现金管理业务的发展 13 4.我国商业银行资产业务问题的对策研究 14 4.1结合国家政策导向，做好监管，扩大收入来源 14 4.2增强管理意识，同时加强创新 14 4.3理财业务要有清晰的定位和管理架构 14 4.4完善内部机构，加快人才建设 15 5.总结 16 参考文献 17 致谢 18  我国商业银行资产业务现状及对策研究 摘要：如今我国商业银行的经营目标是在一定时期内业务经营应达到的水平和目标。银行作为金融企业，其首要目标是如何在保障银行安全前提下，将盈利扩大至最大限度并对社会做出应有的贡献。我国商业银行所取得的利润状况和是否运营成功，资金的运用起到了至关重要的作用，然后我国商业银行的资产业务指的是把收集的资金投资或放出去来获取利益的一种活动，所以资产业务就是其中最重要的一项业务。本论文解析了我国商业银行资产业务所存在的问题，比如管理者对于中间业务认识的理念不足，贷款业务分布不均匀等问题。然而面对种种出现的问题，我国的商业银行必须要做出相应的措施和对策来应对全世界银行所带来的挑战。 关键词：商业银行；资产业务；贷款风险 Research on the current situation and countermeasures of the asset business of commercial Banks in China Abstract: Currently, the main business goals of commercial banks in China are to benefit, and the main business objectives are various financial assets and financial liabilities, which help customers provide a wide range of comprehensive services, but play a role in a diverse company. The use of capital plays an important role in the profit situation and business success of commercial banks in China. The asset business of Chinas commercial Banks refers to the activity of investing or releasing the collected funds to obtain profits, so the asset business is the most important business. This paper analyzes the problems existing in the asset business of commercial Banks in China, such as the insufficient concept of managers understanding of intermediate business and the uneven distribution of loan business. However, in the face of all kinds of problems, Chinas commercial Banks must make corresponding measures and countermeasures to cope with the challenges of Banks around the world. Keywords: Commercial Banks；Assets of the business；Loan risk PAGE PAGE 16 引言 伴随着我国社会经济的快速发展，我国商业银行资产业务