The Research On Asset Liability Management Of Commercial Banks In China

Asset liability management is the deadline for the bank’s assets and liabilities,investment scale,and other aspects of comprehensive planning and management,have important significance to maintain lasting business bank,now China’s commercial banks are facing the situation of the development of the external economic downturn,should be facing the fierce competition between the same industry,strengthen the management of assets and liabilities is the background of the request also.2015 ways of their sustainable development,the central bank deposit interest rate liberalization,market forces become the main factors to determine the interest rate,with the international financial market deepening globalization,continue to promote the domestic market interest rate market,under the new economic normal,Bank of China Industry needs to respond to the complicated domestic and international economic situation and macro economic downturn has brought difficulties and challenges,so how to deal with the opportunities and challenges of commeercial banks,commercial bank restructuring and development of the the new situation,is the focus of today’s sholars.The strengthening of commercial bankassets and liabilities management.can cffectively deal wity the risk.to achieve long-term stable development of the future.Bank risk mangement should focus on strengthening the management of assets and liabilities.Based on this background,through the collation of previous resarch literature.combing the relevant theoretical basis,the analysis of actual case bank,deeply analyze the deep-seated causes of the status quo and problems of asset liability management,put forward the silver The effective strategy of dealing with the interest rate marketization and the supervision is becoming more and more strict,and proposed the present stage and improvement to improve the main path of asset liability management.The main content of this paper is divided iinto six parts:the first chapter as the beginning of this thesis,introduces the background of the topic,points out the theoretical significance and practical application,and the related theories at home and abroad about commercial bank asset liability management classification combing of the scholars the conclusion summarizes briefly the present research the status quo,finally lists the research methods used in this paper,the main research content and framework,clearly expressed the writing ideas and the structure of this paper,pointed out the innovation.The second chapter is the related theory.Based on the previous theoretical research in this chapter,according to the process of historical development,The theory of asset liability management for asset liability management theory and management theory,the theory of asset liability management were reviewed,and a brief introduction of the historical background and the focus of the management of the stage of theoretical study.The third chapter is the analysis of the present situation,before briefly analyzes the important significance of banks to strengthen the management of assets and liabilities for their own development and the social progress,and then use the data,descriptive analysis of assets and liabilities of commercial bank status charts more intuitively.found in asset liability management of banks at present problems.The fourth chapter is a comparative analysis.This chapter according to the nature of ownership of tle comnmercicial banks to conduct simple plan Points,starling from the relevant index to describe the "three".respectively on the asset liability management efficieny were analyzed by using data and charts.point out the performance differences.and analyze the causes of performance differenecs.from whieh merit managenent good management of commercial banks.The fifth chapter uses QS bank with data,analysis of casset liability management the case.First,QS bank established hackground and currcent situation briefly.analyzes the optimization of the structure of assets and liabilities,through case analysis,draw lessons from the successful experience,put forward the corresponding countermeasures to lay the foundation for the paper.The sixth chapter is the countermeasures and suggestions.According to the above theory,the status quo Describe the structure of the case study and case study,and draw the conclusions of the study.This chapter combines the previous conclusions,puts forward some countermeasures and suggestions to optimize the assets and liabilities management of commercial banks in China from the managers of banks and two angles.The current domestic and international economic situation has undergone tremendous changes,put forward higher standards and requirements management of the new economic norm to the commercial bank,the opportunities and challenges under the background of commercial banks to strengthen their risk management,asset liability management of moderb commercial banks is an important way to enhance the management level,therefore,the establishment of liability management system reasonable and effective control of assets,interest rate risk,is of great significance to enhance the profitability of commercial banks.Through the research and analysis of the system,that the state-owned banks operating performance and management level is relatively high,joint-stock banks and city commercial banks compared still gaps,this paper selects QS Silver As the object of study,this paper makes a comprehensive analysis of its assets and liabilities management,finds out the deficiencies in management through analysis,and points out the direction of future efforts.