Research On The Theory And Practice Of Assets And Liabilities Management By Proportion

Assets and liabilities management by proportion is a commonly used management method for modern commercial banks in the world So state-owned commercial banks in China should adopt the effective method to manage and operate every business activities. This paper is to be divided into five parts .In the first part, The course of theory development of assets and liabilities management by proportion for the western commercial banks is introduced briefly, and the objective and principle of assets and liabilities management by proportion are expounded necessarily. In the second part, to start with two methods (funds collection method and assets allocation method) of assets and liabilities management by proportion in the Western commercial banks in early days, the background of appearance, upgrade and development in the commercial banks of country are introduced, and many differences in concepts and categorize of assets and liabilities management by proportion are contrasted . The third part, the main contents of assets and the main tactics of risks management are introduced emphatically. The forth part, the present problems and the factors of obstacles in the course of implementation of assets and liabilities management by proportion in the commercial banks of our country are expounded mainly. The fifth part, as the key points of the paper, the main measures for the improvement of assets and liabilities management by proportion in the commercial banks of our country are discussed particularly .the main measures include the qualified conditions, the macro-policy and measures, micro-flexibility and measures, etc.