What does the bank's total assets contain?

Including lending, investment (securities investment, cash assets investment, fixed assets investment), leasing, buying and selling foreign exchange, bill discount, etc. The most important ones are loans and investments.

Loans include short-term, medium-term and long-term credit and consumer loans. There are two types of assets of commercial banks, one is based on the composition of the balance sheet, and the other is based on the requirements of bank management.

The assets of commercial banks refer to the resources that are formed by past transactions or events of commercial banks, owned or controlled by commercial banks and are expected to bring economic benefits to commercial banks.

Extended data:

There are two types of assets of commercial banks, one is based on the composition of the balance sheet, and the other is based on the requirements of bank management.

1, composition of balance sheet

From the balance sheet analysis, the assets of commercial banks are composed of three parts, namely current assets, long-term assets and other assets. Current assets refer to assets with strong liquidity, including cash on hand, deposits with the central bank, interbank deposits, lent funds, short-term loans, short-term investments, investments due within one year and other current assets.

2. Classification of business management requirements of commercial banks

According to the requirements of commercial bank management, commercial bank assets can be divided into five categories: cash assets, loan assets, securities assets, fixed assets and exchange difference funds. Cash assets are a necessary condition for banks to maintain liquidity.

Loan assets and securities assets are the main part of bank assets and the main source of bank profits; Fixed assets are the necessary material conditions for bank operation; Exchange difference fund is an inevitable capital occupation in bank operation. The asset management of commercial banks will have an important impact on the whole social and economic life.

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