Assets And Liabilities Of Commercial Banks In China Business Management In The Interest Rate Market

With entry's of WTO and improvement of financial liberalization, China's step on liberalization of interest rate will quicken. As well as promote the reformation of financial system, the control of macro-economy, optimize the economic structure, the liberalization of interest rate will absolutely bring the unknown challenges to commercial bank business. In the case of liberalization of interest rate, the study of commercial bank's asset-liability operation management is meaningful on theory and practice.The thesis analyzes all influence the liberalization of interest rate bring to the commercial bank' s asset-liability operation management, compares the gap among state-owned banks, share-hold banks and foreign commercial banks from the aspects of the asset business, liability business and asset-liability structure, which is the simpleness of asset operation, the undevelopment of non-deposit business and the irrationality of asset-liability structure, points out these limitations will bring the enormous impacts on the development of China's commercial banks and the operation efficiency. On the base of data analysis, integrates the foreign banks' successful experiences on asset and liability business expansion, with the facts of our country's financial market, the article ponders the space and the approaches for innovation of asset and liability business management in our country, puts forward exerting the financial engineering technology to control the interest risk in bank.