Study On Initiative Debt Management In China's Commercial Bank

Along with financial market's unceasing development, financial system's internal structure will have the profound transformation. Marching into 2008, the money market gradually opens to the outside world, the international competition will be internalized and the domestic market will be internationalized. There are more than 100 commercial banks in the domestic, more than 700 credit associations, more than 200 foreign bank branch offices and the representative office in China. The competition is already white-hot state.In the financial markets to attain a foothold to sound operation, we must grasp sets up foundation of the line. On the liabilities of commercial banks to develop their business assets, the business operating at a liability sets up foundation of the line. But now sophisticated domestic commercial bank's debt structure, we will find that their state not ideal, or even very crux of the problem. Overall deposits in the initial stages of product development, they are not only lack of innovation driving force, but also a lack of liability management system theory. Therefore, in order to adapt to the international commercial banking common development trend, China's commercial bank debt structure of a single situation must be changed as soon as possible.In order to better achieve the structural hedge to prevent and control risks and improve their management efficiency and level of benefits, improving the mode of operation of commercial banks, breaking profits obstacles, expand business Bank of different operating room, timely research and development initiative debt business is necessary according to the commercial banks themselves. No matter where on the one hand speaking, in terms of survival and development banks is of strategic significance, but also helps promote our country's financial market prosperity and development.In the 1960s and 1970s, Western commercial banks put forward to active liabilities ideological theories which have a positive reference to solve the practical problems of China's banks. Although the Western society and our country present situation are different, but in Western bank initiative debt theory and in our country national condition reasonable union foundation, this study aims to domestic commercial banks through debt structure analysis, and analysis of the macro environment and the industry operating environment, and reveals the main problems. It will be in conjunction with the current market situation and the advanced experience of foreign countries. to Commercial bank's initiative debt's development , it will be proposed that what is suitable for the domestic development the suggestion and the main utilization principle, we should promote our country bank control fluid risk and develop asset operation ability, optimize our service pattern, and enhance the internal commerce bank the competitive power.This article has used research techniques and so on real diagnosis law, comparison test, analogism, carries on the system elaboration to the Commercial bank initiative debt management. This article divides into six parts. The first part of elaboration selected topic significance, which contains the fundamental research achievement and the thinking of this article. The second part introduces the commercial bank initiative debt basic theory, which mainly includes it to start the theory that the background and produces from this. Part three expounds China's commercial banks active liability management causes, which expounds in the external environment and internal contradictions of the banking system of liability management. The fourth part penetrates into the commercial bank's debt structure question, which describes their present situation and the existence questions in detail. The fifth part elaborated that strengthens the Commercial bank initiative debt the necessity and effectiveness. Last part is puts forward the proposal and the reference to our country Commercial bank's initiative debt management. The Commercial bank initiative debt management's background, the present situation as well as the future will develop carry on system ensemble's elaboration are this article places of innovation, summarized predecessor's related theory, and inspected the domestic main Commercial bank's concrete condition in detail, proposed the corresponding opinion, will supply the valuable information take the time as the Commercial bank initiative debt management.