Study On The Asset Quality Of City Commercial Banks

For is under a state of "bad double up" with melting type-H city bank business,in the current complicated and changeable macroeconomic situation and the increasingly fierce competition situation,facing the finance disintermediation,the marketization of interest rate such a completely open competition environment,assets as its business activities and the material basis of economic interests and the pros and cons of the quality to a large extent affects the H city business development potential and competitive advantages,how to reasonable and effective evaluation of H city business assets quality,and aiming at the problem of the poor quality of assets of take effective coping strategies,thus make take the path of sustainable development of benign H city business management priority.Based on the analysis and evaluation of the status quo of asset quality,this paper puts forward some Suggestions on improving asset quality.This article detailed introduces the assets structure and characteristics of H city businesses and analyses its current situation in the H city firm asset quality evaluation system,found in according to the rules and the current existing in measure evaluation index of relying too much on subjective judgment,the correlation between indicators,important degree of different indicators,and other issues.Then selected the 13 city commercial bank industry in2014-2016 data as sample,using the principal component analysis(pca)to determine the asset evaluation index weight and build assets quality evaluation function and calculate the comprehensive score,evaluation results are obtained: 2014-2016 H city business assets quality evaluation of the comprehensive score of 1.49 points,respectively 1.29 points,0.70 points,are located at the bottom.Analysis results show that the H city firm asset quality situation is not optimistic,,there is much room to improve overall,embodied in the potential risk of credit assets and the profitability of assets to improve,the core capital adequacy ratio is not high,and some problems such as liquidity.Finally put forward the Suggestions on improving the quality of H city business assets,including: rich non-performing assets disposition,develop intermediary business and retail business,and establish a reasonable risk control system,etc.The research of this paper is helpful to improve the asset quality of H city commercial bank and its competitiveness.