Study On Debt Risk Management Of Domestic Commercial Bank In The New Situation

With the continuous development and the deepen opening up of China's financial markets, the internal structure of the domestic financial system will be undergoing profound changes. the competition of financial markets is more and more intense. As the main force of the financial markets, commercial banks, will face severe challenges.Commercial banks are leveraged institutions, relying on debt to develop its assets business. However, in-depth study of the domestic debt structure of commercial banks, you will find there are many non-ideal states. On the whole, the species of liabilities are single, the proportion of liabilities are uneven, and banks lack of innovations. At the same time, debt management is also a lack of systematic theory, considering the current economic situation and the barriers existing in their own business development, commercial banks should try to adjust their debt structure, innovate debt products, prevent and control balance risk, to improve management efficiency and profitability levels, which have strategic importance to the development of China's commercial banks, and can promote the prosperity and development of our country's financial markets.In western countries, the management of liabilities of commercial banks starting in the 1960s and 1970s, the paper will combine the West Bank liability management theory and the based condition of our country to analyse the debt structure of domestic commercial banks, the impact of the new economic situation to China's banking liabilities, to point out the characteristics and risks of domestic commercial banks liabilities, combining with current market conditions and foreign management experience, and give out the proposals and countermeasures of liabilities management to domestic commercial banks.The paper combines theoretical and empirical, the method of comparison and analysis to address China's commercial bank debt management. This paper is divided into four parts. The first is the introduction, describes the background and significance of topics, research ideas and methods; The second section describes some related theoretical knowledge of commercial banks liabilities, which provides a theoretical basis for the following analysis; The third part analyse the characteristics and risks of China's commercial bank debt; The last part proposes some corresponding countermeasures to the risk of liability.