Research On The Strategy Of Improving The Asset Quality Of G City Commercial Bank

Nowadays,the macroeconomic situation is complex and changing,and the competition in the banking industry is becoming increasingly fierce.In this context,the asset quality of commercial banks has an increasingly important impact on their competitiveness and the sustainability of development.City commercial banks,as an important financial institution in the industry,its special development history and model also hides greater risks.While the banking business is developing in a diversified direction,how to comprehensively evaluate the asset quality,identify and deal with the risks is an urgent need for city commercial banks to face.This paper takes the behavior of G City Commercial Bank to conduct a vertical and horizontal comparison and analysis of the overall asset quality,asset structure quality and important individual quality of G City Commercial Bank,and select G City Commercial Bank and another fourteen city commercial Banks.The publicly disclosed data of listed city commercial banks in the past five years are used as samples,and the principal component analysis method is used to establish a comprehensive evaluation system of asset quality,and conduct a comprehensive evaluation of asset quality.The research results show that G City Commercial Bank are facing downward pressure on asset quality: First,the loan structure is unbalanced and the maturity of important assets and liabilities is mismatched,which is mainly reflected in the imbalance of the main loan structure,industry investment and maturity;second,the proportion of non-credit assets is too high.Under the background of economic downturn and stricter supervision,potential risks have increased;third,the non-performing loan ratio has been rising year after year,and credit risks have increased;fourth,the proportion of interest income is high,and the structure of non-interest income is single,and the profit growth is weak under the trend of narrowing net interest margin;fifth,the scale of assets has been expanded fast,the core capital adequacy ratio has continued to decline,and there are hidden concerns about the capital adequacy level.In response to the problems,it proposes strategies for improving asset quality,including improving the quality and quantity of traditional businesses,expanding non-information businesses,diversifying the way to dispose of non-performing assets,improving risk and credit systems,and strengthening capital management.Asset quality evaluation and management improvement strategies provide reference.