A Comparative Study On Source Of Liabilities Of China-US Large Commercial Banks And Its Revelation

Both in role and scale, The large commercial Banks in our china’s financial system has important position, Good management of large commercial Banks can make good development of the financial system in China. The commercial bank managing is dependent on liabilities business, assets operation, off-balance sheet business, The liabilities business is the basis of other two kinds of business. Liability business essence is to absorb the capital liability, so Liability analysis is the study of Liability funding sources, Liability structure decides the sources of Liability. This paper starts from liabilities of the large commercial bank of China and the United States, By contrast to identify deficiencies in China’s large commercial banks in the liabilities structure, And put forward the improvement suggested.This paper firstly analyses the debt structure of China’s large commercial banks, the deposit part and active liability part of the structure are analyzed in detail,And then to analyze the large commercial Banks of the United States. Found that China’s large commercial Banks’structures have a series of problems, like that debt structure imbalance, deposit proportion is too large, single deposit products, lack of active liability, active liability structure imbalance, too little debt issuance.For insufficient on the liabilities structure of commercial bank in China, this paper proposed the following improvements:First is a reasonable deposit design; improve the differentiation of deposits; increasing deposits types; development of deposits of substitute products, and other ways to reduce the percentage of deposits. Second is by increasing the borrowing; active in the repo business; increase the issuance of financial bonds and use methods to increase the active liabilities. The third is to improve the ability of management of Bank.