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来源:百度知道 编辑:UC知道 时间:2024/06/24 11:07:42
我国国有商业银行资产结构优化的对策思考
【摘要】:资产结构优化问题,是现代投资领域的热门话题,也是学术界研究的热点问题。对于不同的研究主体来说,资产结构优化问题,具有并不相同的含义。对于国有商业银行来说,资产结构优化问题,实际上就是使自身持有的资产结构更好地符合高杠杆的经营特征;而高杠杆的经营特征就内在的决定了国有商业银行的经营目标就是在安全性、流动性、盈利性三维空间中寻求最优的平衡点。国有商业银行作为这一特殊行业中的“特殊群体”,它自身的特殊背景和特殊义务使得它的最优平衡点权衡更具挑战。国有商业银行要按照资产组合原理进行风险分散,就必须放任一部分“本是同根”的国有企业的亏损;而国有企业亏损的政治压力又不可避免导致中央政府“网开一面”的政策融资。因此,国有商业银行资产结构的优化问题,不仅仅是一个复杂的技术问题,更是一个复杂的制度难题,它的解决需要方方面面的努力和配合
【关键词】:存量重组 国有银行 增量防范 信贷风险 风险分散与利润贡献

Our country state-owned commercial bank property structure optimizescountermeasure ponder [ Abstract ]: The property structure optimization question, isthe modern investment domain hot topic of discussion, also is the hottopic which the academic circles studies. As for the differentresearch main body that, the property structure optimization question,has certainly not the same meaning. As for the state-owned commercialbank that, the property structure optimization question, is in factthe property structure which enable oneself to have conforms to thehigh release lever management characteristic well; But the highrelease lever management characteristic on the intrinsic decisionstate-owned commercial bank's management goal was in the security, thefluidity, the profit three-dimensional space balancepoint. The state-owned commercial bank took in this special profession"the special community", it own special background and the specialduty cause it the most superior balance p