Research On The Asset Quality Improvement Strategy Of J Bank

Based on the theories and research results of asset quality and bank asset quality at home and abroad,the theoretical basis and analysis methods adopted in this study are proposed.This thesis finds that under the trend of comprehensive operation of domestic commercial banks,the bank asset quality evaluation standard based on non-performing loan rate can no longer fully evaluate the bank asset quality,and instead should comprehensively consider the quality characteristics of credit and non credit assets.The American Camel Evaluation System is a commonly used method for evaluating the quality of bank assets.As the CAMEL evaluation system involves many qualitative indicators,it is not fully applicable to domestic commercial banks in small and medium-sized cities Therefore,according to the asset liability management theory,financial vulnerability theory,defect free management theory and other theories,three types of evaluation indicators are refined based on the core requirements of American CAMEL evaluation method.According to the evaluation index system of these three types of assets,this thesis analyzes the historical data changes of Bank J in the past three years,and summarizes the characteristics of Bank J’s asset quality.Considering that Bank J,as a city commercial bank,its operation and development are affected by macroeconomic environment,regional expansion scope restrictions,its own operation and management strategies and other factors,in order to more comprehensively compare and analyze the causes of its asset quality characteristics,this thesis further selects four sample banks of the same quality and the same type to further compare and analyze with Bank J,and studies the main gap of asset quality indicators between Bank J and similar banks.Finally,based on the results of the comparative analysis,the thesis puts forward corresponding improvement suggestions for the asset quality management of Bank J,and implements specific asset quality management measures from four perspectives: new development concept,asset profit space,adjustment of core capital supplement and credit risk management.This study has a positive impact on the asset quality management of Bank J,also provides a reference for the asset quality management of other similar commercial banks.