Research On Asset/Liability Management Mode Of Modern Commercial Bank

China's commercial banks compared with many international banks, widespread development of a relatively short history, lack of management experience, extensive product range is not so.The increasing openness in China, foreign banks have entered the Chinese financial markets today, our local banks should strengthen their financial management capacity, develop their own core competencies.The main purpose of this paper is that China's commercial banks in financial management problems, and for capital management, profitability management and model number of safeguards and other aspects of the implementation of programs and strategies, specifically commercial banks, the future direction of business development, and guide a modern commercial bank Choosing the right business model of funding.Paper first examined the status of China's commercial banks, fund management. China's reform and opening up the financial system in general began to implement asset-liability management, and from the asset liability management, financial management, risk management and other aspects of creating their own development goals in line with our management of the banking system.At present, China's commercial banks in terms of scale, asset-liability management, risk management and other aspects of the development level of the index gradually to the good development trend, the performance in the management to gradually close to the international level.State-owned commercial banks and other large banks higher levels of asset-liability management, some city commercial banks to be further improved. Papers and on the external environment of the modern commercial bank fund management analyzes the influence.Through the macroeconomic environment, social financing needs and national regulatory policy analysis, pointed out that the environmental impact of these external commercial bank fund management of several important factors.The article on the management of modern commercial bank funds empirical research example.HSBC Bank as a benchmark to analyze the Industrial and Commercial Bank, represented by state-owned commercial bank, Minsheng Bank, represented by joint-stock banks and the Bank of Jilin city commercial banks, represented by three types of bank capital management and development of the indicators.China's commercial banks focus on identified compared with the advantages and disadvantages of international banks.Finally, the paper raised a number of modern commercial bank fund management to development.China's commercial banks in capital management, customer management, pricing system, marketing system, risk management systems in five areas of policy proposals put forward.