The Research On The Impact Of Interest Rate Liberalization On Asset Liability Management Of Commercial Banks

China’s financial resources were allocated by regulators for long,cause the low efficiency in the resource allocation.Since the Eighteenth National Congress of the CPC,the reform of marketization of interest is accelerating,which has an significant impact on banks.The positive significance lies in that it will promote fair competition between financial institutions,expand the innovation rights and the self-development space of commercial banks.The adverse effects may as follows: first,commercial banks will face more severe market risk and the credit risk;second,they will face fierce competition both inside and outside the industry;third,they need to fit for the changed balance sheet.Over the years,the indirect-financing market orientation unchanged,the complicated situation of China’s financial industry leads the commercial banks concentrated vast financial risk.Therefore,the interest rate marketization inevitable intertwines with bank reform and promoted each other,and have higher demands on the ability of asset and liability management.The research of this paper will focus on the bank’s assets and liabilities,profitability,asset quality and profit etc.and puts forward the suggestions for the commercial banks how to strengthen advantages,optimize the external environment,strengthens the internal management ability and prudent management countermeasures under the condition of interest rate marketization...