The Asset-Liability Management Of Modern Commercial Banks In China

Commercial banking business plays an important role in domestic economy. Because the long term developing and continued innovation, nowadays it could be regard as the foundation of a nation economics, meanwhile, the management of asset and liability has been attracted much more attentions through the society than ever before.In modern economics environment, commercial banks are exposing to all kinds of risks, such as credit risk, interests risk, exchange rate risk, operational risk, liquidity risk and etc. It is important for us to avoid all risks, in other words, the questions is not that whether we should take risks, but how much risks we could take? And the question has to be determined by the management board that has been authorized by the directorate, which after all risks are calculated.Asset-Liability Management theory is becoming a popular method for modern commercial bank in management, which under the impaction of world wide financial liberation. It has been formulated since 1970's, and made a great development in 1990's. Basing on the systematical theory, this article demonstrates Asset-LiabilityManagement's origin, system and method through the way of analysis, samples statistic and logistical arguments, which in the situation of large amount of literatures researching and some commercial banks investigations. Especially, it pays more attention in the achievements and problems of Asset-Liability Management in Chinese banking, which eventually to find a solution to resolve the issues such as, unclear property rights, unbalance asset, risk control, and the limitations of computer system.However, some opinions in this paper are still in arguing, therefore, the different views would be warmly welcomed. It is my honor to discuss with relative researchers and that's would be helpful to my future study.The full text is made up of five chapter contents altogether:Chapter 1 introduction Chapter one explained the background of the thesis mainly, research purpose and meaning and domestic and international research dynamic status. And it also introduces the method of thinking, method and possible innovation of the thesis.