Research On The Strategy Of Asset Liability Management Of Chinese Commercial Banks During The Process Of Interest Rate Marketization

The core of interest rate marketization reform is to establish a sound interest rate formation and regulation mechanism compatible with market.In October 2015,the liberalization of the deposit interest rate marketization marked the overall advancement,which has brought serious challenges to China’s commercial banks.Asset and liability management is the main body of commercial bank business development,also an important tool for risk management,value creation and strategic planning.This paper analyzes the research of asset and liability management in domestic and foreign commercial banks,and summarizes the process and challenges.At the same time,it introduces Agricultural Bank of China Suzhou Branch as a practical research object,briefly introduces the basic development,analyzes the current characteristics,and analyzes the main problems focused on the status of asset and liability management,Finally draw on several specific strategies.Currently Suzhou Branch is in a critical period of accelerating the construction of first-class modern commercial bank.Asset and liability management is an important task to promote strategic transformation,optimize the business structure and realize the maximization of value.We must accurately grasp the economic development situation,in-depth analysis of the new situation facing,new issues,overall planning under the new situation,ideas and measures in order to enhance its core competitiveness.