To Investigate The Problem Of Asset And Liability Management On J Bank

In recent years,affected by various unfavorable factors,such as global economy recession risk,financial revolution,strict financial regulation,interest rate liberalization etc,there gradually revealed a series of contradictions and problems in Asset and liability Management of Chinese commercial banks,and the system construction of Asset and Liability Management has become a trend in Chinese financial industry.As the basic content of modern commercial bank management,Asset and liability Management has become the most important guarantee to balance liquidity,safety and efficiency of a bank,has become the foundation and lifeline to support the survival and development of a bank,and also has become one of the most important contents of a bank's internal control and detail management.As a small and medium-sized city commercial banks,after more than ten years of steady and rapid development,J bank has gradually grow into an important pillar of regional economic development.J bank as a small and medium-sized city commercial banks,after more than and 10 years of steady and rapid development,and gradually grow into an important pillar of regional economic development.But with the accelerate the process of interest rate liberalization in recent years,commercial banks especially the profitability of small and medium-sized commercial banks have generally experienced a great impact,J bank is also facing more fierce competition,the profit spreads narrowed and higher risk.In this situation,the only way change the danger into opportunity is to change the traditional asset liability management concept and management mode,constructing the scientific asset liability management system and mechanism,establishment asset liability management information system,optimizing asset-liability portfolio structure,so as to create a transformation and sustainable development of new road.Therefore there is an urgent need for J bank to establish a management system and management model,which can adapt to the times and the market,and constantly improve their own management level and management ability.First of all,the article will request for an understanding of the basic situation of J bank's asset and liability management,including the size of the assets and liabilities,operating conditions and so on.Then conduct analysis of J bank's asset and liability management on management framework,system,management methods,management level and other aspects,systematically explore the problems existed in asset and liability management of J bank.Third,the causes of the problems in the asset liability management are analyzed by the methods of inductive analysis,comparison and survey study.Below are causes of problems in Asset and Liability Management of J Bank that the article considers: Comprehensive and perfect management mode is not established in J bank.The construction of management system starts late,management philosophy and missions are not clear,organizational structure is unreasonable,function is decentralized and responsibility is unclear,weakness of risk consciousness and lack of comprehensive plan over risk are existed in this bank;Regulations are backward and have not been updated regularly,traditional regulations cannot meet the needs of business development,excellent teams which can properly in charge of asset and liability management are in short;The bank has not build information system to make detailed management of asset and liability management come true.The situation of extensive management and lack of scientifically and quantitatively analysis is still remained in this bank,management method is relatively 1n-diversified and gap existed in dynamic management,barriers existed between communication and exchange of information;Market competition become fiercely and spread narrowed deeply,traditional business model falls into dilemma.Shortness of capital,product line is too simple,innovation ability and risk pricing level is low both limit scale expansion,continuous steadiness and sound development of J bank.Finding the reasons,we need to take measures to solve these problems according to these reasons,J Bank should improve its Asset and Liability Management construction from the following aspects:First of all,J bank should set up new concept and optimize the operating mechanism,define and strengthen new mission and concept of Asset and Liability Management,improve organization structure and define the duties of each department of this company to optimize the management process;Second,Optimize the process of system,enhance management level.J bank should reestablish rules and regulations and set up perfect construction system according to its own situation.Focusing on the introduction and training of professionals,establish a professional and knowledgeable team;Third,Institute effective information management system,optimize management index system,set up evaluation system mechanism,establish dynamic management strategy to achieve dimensional and all-around management,strengthen risk management ability,upgrade risk measuring and monitoring ability to higher level,dredge the channel of communication and information,increase the applied efficiency of information system;Last,Optimize the structure of assets-liabilities structure,change the profit mode.Jbank should optimize the structure of assets-liabilities structure,enhance asset and liability portfolio-matching management,accelerate the development of financial innovation,strengthen pricing management.On the basis of normative research,this paper uses inductive analysis,comparative analysis and case analysis to illustrate the conclusion of this paper.Compared with the previous academic research,this paper focuses on the introduction of asset liability management,and on this basis,the paper discusses the problems in the management of assets and liabilities.In addition,before most of the research has focused on the development and application of asset liability management tools,can bank micro data from the perspective of commercial banks,combined with the actual situation of in-depth analysis of the relevant report is less.But with the completion of the reform of the interest rate market,net spread narrowed significantly,the market risk has become increasingly prominent,and improve the management of commercial bank assets and liabilities is imminent.Based on the current situation of J bank asset liability management analysis,put forward to improve the asset liability management system of J bank in the interest rate market ideas,forward-looking measurement monitoring and risk control,and constantly improve the level of the fine management,to ensure steady development of bank.