Research On The Asset Liability Management Of Bank Of Ningxia Under The Interest Rate Market

The marketization of interest rate is the inevitable demand of China’s financial system reform, commercial banks in China is to optimize the asset liability management, enhance competitiveness, excellent opportunities for prosperity of financial market. And the optimization of asset liability management methods, is China’s commercial banks, especially the change management model of city commercial banks in the background of interest rate liberalization, expanded the scope of business, the core of comprehensive risk management of bank assets and liabilities. China’s banking system and financial environment compared with developed countries, the foundation is weak, the low efficiency of supervision. Therefore, in the condition of interest rate marketization, the Commercial Bank of our country mainly interest margin profit model will have a big impact, cause negative effect to our country commercial bank management. The commercial banks of China should how to deal with the challenge of financial globalization, improve asset liability management of commercial banks, this is the main problem in this paper.In this paper, the author focuses on the Bank of Ningxia as the research object, this paper reviews the development process of western commercial bank assets and liabilities management theory, history of the asset liability management of Chinese commercial banks, to provide theoretical support for the paper. Comparison of the author to the Bank of Ningxia and the local area of the peasants and workers to build four major state-owned bank, analyzes the present situation of the management of assets and liabilities of the Bank of Ningxia, points out the existing problems of asset and liability management, mainly in the structure is not reasonable, effective index is not perfect and the risk control mechanism is not perfect etc.. In view of the above problems, the author puts forward the basic principles to optimize the asset liability management, formulate countermeasures to adjust the structure of assets and liabilities, construct the effective degree model of asset liability management, put forward to improve the liquidity risk management measures. In order to ensure the execution of these suggestions and measures, this paper also combined with the actual situation of the Bank of Ningxia, and puts forward its asset liability management optimization strategy for the implementation of the necessary security measures.This study for the Bank of Ningxia in the condition with the interest rate market-oriented in the future, the optimization of asset liability management, improve operational efficiency, enhance the competitiveness of banks to provide practical, operable measures to support. At the same time, to enhance the core competitiveness of Chinese commercial banks, and guard against and defuse the risk of fluctuations in interest rates, to maintain the stability of China’s financial system and shorten our commercial banks with foreign counterparts gap, has important significance of accelerating the development of China’s commercial banks.