Study Of Management Theory And Practice Of The Proportion Of Commercial Bank Assets

This article falls into four parts, mainly discussing the founding and improvement of the asset liability ratio management( ALRM) in sino commercial banks. The first part mainly discussing the theory of ALRM. It includes the development of ALRM, the body of ALRM, the basic principles and method of ALRM, ALRM in Barssel Agreement and international banking industry. The second part discussing about how to make the ALRM. It includes the significance of inforcing ALRM in the state run commercial banks, the principles of AL- RM. The third part discuss the difficulties and problem when inforing ALRM. It includes: specific problems inner the banks, deep tier obstacles when inforing ALRM, the problem of viewpoint and the concept of human resources. The part focus on the specific problems In- ner the banks : the defitcit of asset and liability, many bad debt in state ?run commercial banks and inadequate of capital and bad preparation in some basic works. The fourth parts gives some advices on inforcing the ALRM ratio management. Including the basic manage- ment of ALRM, to reach a syncitic balance on the term structure of asset liability, to im- prove the related index body and to strenthen the regulation by the central banks.