商业银行经营的对象是资金，主要业务部门都是围绕资金而运作。检验商业银业经营的业绩和成果，最终归结到资金效益。在目前专业银行向商业银行转变。粗放经营向集约经营转变的形式下，探讨资金运作的系统优化和操作优化，对于防范信贷资产风险、无疑是指点迷津，雪里送炭。所 The target of commercial banks is capital, and the main business units all operate around capital. Test the performance and results of commercial banking business, and ultimately comes to the financial benefits. In the current professional bank to commercial banks change. Under the form of extensive operation to intensive operation, the systematic optimization and operation optimization of capital operation are discussed. To guard against the risk of credit assets, it is undoubtedly a source of inspiration and assistance. The