我国商业银行经营状况的分析及对策探讨

Analysis on Current Management Situation of Commercial Bank in China and Probe t o Its Countermeasures

通过对我国商业银行的不良贷款率、资本充足率、资产利润率等的分析,得出无论是国有独资商业银行还是新兴的股份制商业银行经营状况都不容乐观,存在的经营风险已成为威胁国家金融安全的一个重大隐患的结论。为此,文章最后对如何改善我国商业银行的经营状况作了对策探讨。

Through the analysis of bad loan ratio, capit al adequacy ratio and profits ratio and so on, this paper gets a result that manag ement risk becomes a hidden trouble to financial security in state commercial ba nks and new stock's commercial banks. At last we probe into the countermeasures for commercial banks as how to improve the management situation.