Research On Asset And Liability Management Of The Agricultural Bank Of China Under "Deleveraging"

In the context of the new normal of "deleveraging",only by following the trend and building a benign interactive relationship with the background of "deleveraging" and seeking effective innovative ways can the asset and liability management of China's commercial banks achieve break-through development.However,the theory of how to improve the asset and liability management level of commercial banks from the perspective of asset and liability management under the condition of "deleveraging" has not yet given a clear answer.On the basis of combing the internal and external constraints of assets and liabilities,the dual measures of structural optimization and the asset and liability management theory of commercial banks under the background of "deleveraging" at home and abroad,using case study method,taking agricultural bank of China as the research object,This paper discusses the measures taken by agricultural bank of China under the theoretical background of "deleveraging" and how these measures improve the management level of assets and liabilities.The study found that: agricultural bank of China through the optimization of active debt instruments,return to the entity source,adjust the structure of assets and liabilities to deal with the impact of deleveraging,and constantly improve the level of asset and liability management in order to better adapt to the current economic environment,enhance competitiveness,to achieve the business goal of profit maximization.Under the background of "deleveraging",the paper systematically studied the "three characteristics" of asset and liability management of commercial banks,namely liquidity,safety and profitability,by selecting the two measures of internal and external constraints on assets and liabilities and structural optimization.On this basis,it puts forward some suggestions such as optimizing customer structure and strengthening liquidity management.The research conclusion is helpful for commercial banks to strengthen the management of assets and liabilities,enhance the core competitiveness of banks,and has certain reference value for the healthy development of the banking industry.