商业银行资产配置及不良资产风险的应对

Asset Allocation of Commercial Banks and Response to the Risk of Non-performing Assets

随着理财规模快速增长,银行资产规模随之扩大,资产配置和不良资产防范成为摆在商业银行面前的难题。一方面,从资产配置的原则出发,商业银行应多样化配置资产以分散投资风险。另一方面,随着利率市场化导致银行存贷利差收窄,使得银行有动力提高资产端的风险偏好水平,导致不良资产和不良率的攀升。商业银行应该完善内控体系和组织构架,同时在发放贷款方面应加强信贷流程管理,以自身优势为立足点,向其他业务交叉融合,开创各类金融服务产品,提高盈利能力和系统风险防范能力。

With the rapid growth of the scale of financial management, the scale of bank assets expands accordingly, and the problem of asset allocation and bad assets prevention becomes difficult for commercial banks. On the one hand, based on the principle of asset allocation, commercial Banks should diversify their asset allocation to diversify investment risks. On the other hand, as the interest rate liberalization leads to the narrowing of the spread between deposits and loans, banks have the incentive to improve the risk appetite level of the asset side, leading to the rise of non-performing assets and non-performing rates. Commercial Banks should improve the internal control system and organizational structure, and strengthen the management of credit flow in the aspect of issuing loans. Therefore, commercial Banks should take their own advantages as a foothold, cross-integrate into other businesses, create various financial service products, and improve profitability and systematic risk prevention ability.