浅议11商业银行论文商业银行论文.doc

　　浅议11商业银行论文商业银行论文 浅议11商业银行论文商业银行论文 导读：ialsavingsandinecreatingCreditnegotiableinstrumentforcapitalandtheroleof.Thepursuitofprofitmaximizationistheaimofthemercialbank,thestate-oercialbankisnoexception.Toachievethisgoal,thestate-oercialbanksinbusinessmustbesafetyfirst,avoidrisks,a 商业银行业务管理结课论文 浅析商业银行经营管理面临的问题及应对策略摘 要 所谓商业银行即是以信用为基础、 以经营货币借贷和结算业务为主的高负债高 风险行业。 在资本主义经济中，商业银行区别于一般资本主义工商业具用充当 资本家之间的信用中介、充当资本家之间的支付中介、变社会各阶层的积蓄和 收入为资本以及创造信用流通工具的作用。 追求利润最大化是商业银行的经营 目标，国有商业银行也不例外。 要实现这一目标，国有商业银行在经营业务中 就必须注意安全，回避风险，调整资产负债结构，坚持“效益性、安全性、流 动性”的原则。 商业银行在一国国民经济中所处的关键地位和作用以及其经营 特点，导致了商业银行经营风险在整个国民经济中有着极大的影响力，一旦银 行经营风险转化成现实损失，不仅可能导致银行破产，而且将对整个国民经济 带来严重后果。 加之中国已经加入 ercial bank is based on credit, high risk industry in debt to business money lending and settlement business. In the capitalist economy, mercial banks are different from general capitalist industry and merce ediary, as betent intermediary, variable social savings and ine creating Credit negotiable instrument for capital and the role of. The pursuit of profit maximization is the aim of the mercial bank, the state-oercial bank is no exception. To achieve this goal, the state-oercial banks in business must be safety first, avoid risks, adjust the structure of assets and liabilities, adhere to the ;bene 3 4 5 浅议11商业银行论文商业银行论文 导读：fortheentirenationaleconomy.AndChinahasjoinedthesituationofChina,hoprove1商业银行业务管理结课论文thepetitivenessofChina#39;smercialbanks,theremaininvincibleinthepetition,hasbe fit, security, liquidity; principle. Key position and role of mercial bank located in the national economy of a country and its operating characteristics, causes the operation risk of mercial bank has great influence in the y, once the operating risk of banks into real loss, may not only lead to bankruptcy of banks, y. And China has joined the situation of China, hoprove 1 商业银行业务管理结课论文 the petitiveness of China#39;s mercial banks, the remain invincible in the petition, has bee an unavoidable and and the problem to be solved. In this r