Research On The Liability Structure Of Beijing-Tianjin-Hebei Urban Commercial Bank

With the implementation of the Beijing-Tianjin-Hebei coordinated development strategy,financial support for the real economy has become more and more important.The Beijing-Tianjin-Hebei City Commercial Bank,as a local bank,has played a decisive role in the development of Beijing-Tianjin-Hebei economic integration.As a basic business of a commercial bank,the debt business structure determines the scale and road of commercial banks.This study mainly analyzes the impact of the current financial environment on the debt structure of Beijing-Tianjin-Hebei City Commercial Bank.First,through the review of related literature,it elaborates on the domestic and international research methods on the liability structure of city commercial banks,and at the same time Development was introduced.Secondly,this study details the changes in the liability structure of the Beijing-Tianjin-Hebei City Commercial Bank from 2014 to 2016,and theoretically analyzes the horizontal and vertical trends of various indicators of the debt structure,mainly from the asset-liability ratio and the fixed-living period.The analysis of the proportion of deposits,the proportion of active liabilities,and the ratio of the number of businesses in the same industry.Thirdly,based on a large amount of data,this paper analyzes the main influencing factors of the change trend of the debt structure of Beijing-Tianjin-Hebei City Commercial Bank,and clearly sees the influence of the change of liability structure on the liability management of urban commercial banks.Finally,draw the conclusions of the study and make suggestions on the future development trend of the financial environment in which the debt structure of Beijing-Tianjin-Hebei City Commercial Bank is located.This special study proposes countermeasures for improving the debt structure of Beijing-Tianjin-Hebei City Commercial Bank: The first is that the proportion of active liabilities and passive liabilities in the liability structure tends to be reasonable,passive liabilities are the basis,and innovation is actively adapted to the current financial environment.The active liability business provides more funds for the development of the Beijing-Tianjin-Hebei City Commercial Bank;the second is that,when developing new liability business through financial innovation,it must do a good job in risk prediction and supervision according to its own situation,and build a reasonable liability.The third is tovigorously develop cross-regional business and broaden the debt channels.The Beijing-Tianjin-Hebei City Commercial Bank complements each other and promotes them together.