Abstract
This study analyzes how the asset management of Chinese commercial banks affects financial stability. In addition, an empirical analysis was conducted on the difference in the effect of bank asset management on financial stability before and after the application of Basel Ⅲ. First, it was analyzed that bank profitability and financial stability decreased as the securities ratio increased. In particular, it was found that the financial stability of banks improved as the securities ratio increased after the implementation of Basel Ⅲ. Second, it was analyzed that profitability decreased as the household loan ratio increased, but financial stability increased. Also, the increase in household loans after the implementation of Basel Ⅲ did not have a positive effect on bank profitability. Third, it was analyzed that as the corporate loan ratio increased, the bank’s financial stability improved. This study is meaningful in that it examines the difference in financial stability of Chinese commercial banks before and after the implementation of Basel Ⅲ, which has not been analyzed in previous studies. The results of this study will be important information for improving financial stability and sustainable development through efficient asset management.
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