本文通过分析商业银行证券投资业务的优势,简述商业银行证券投资业务的意义,最终指出我国商业银行目前在证券投资业务上所面临的问题。商业银行资产管理的一个重要原则就是要尽量降低银行资产的风险,于是,进行证券投资成为商业银行减少风险的一项重要措施,它为银行分散风险发挥着独特的作用。首先,它为银行资产分散提供一个办法,当银行把所有资产都用于放款时,若一旦款项收不回银行将承受巨大的损失,而如果进行证券投资则可以主动收回,为银行分散风险。其次,证券投资选择面更广。通常放款 This article analyzes the advantages of securities investment business of commercial banks, briefly describes the significance of securities investment business of commercial banks, and finally points out the problems our country’s commercial banks face in securities investment. An important principle of commercial bank asset management is to minimize the risk of bank assets. Therefore, making securities investment as an important measure for commercial banks to reduce risks has played a unique role in diversifying banks’ risks. First of all, it provides a way for banks to diversify their assets. When a bank uses all its assets for lending, it will incur huge losses once it fails to pay back the funds. If securities investments can be taken, it can take the initiative to withdraw it and disperse the risks for the banks. Second, the broader range of securities investment options. Usually lending