浅谈我国商业银行资产负债管理的问题及对策

目录

摘要.............................................................. ABSTRACT ....................................................... I 第1章我国商业银行资产负债管理理论的概述.. 0

1.1资产管理理论 0

1.2负债管理理论 0

1.3资产负债管理理论 (1)

第2章我国商业银行资产负债管理存在的问题 (2)

2.1商业银行的重视程度不够 (2)

2.2负债种类少 (2)

2.3资产负债管理技术落后，业务创新能力不足 (3)

2.4资产充足率低缺少流动性 (3)

第3章我国商业银行资产负债管理的问题分析 (5)

3.1我国商业银行资产负债管理发展时间较短 (5)

3.2我国商业银行累计机制缺失 (5)

3.3我国商业银行金融创新不足 (6)

第4章完善我国商业银行资产负债的建议 (7)

4.1提高商业银行对资产负债管理的认识 (7)

4.2加快资产负债管理的业务组织体系建立 (7)

4.3深化利率市场的改革 (8)

4.4加强研究，推进业务和产品创新 (8)

结论 (10)

参考文献 (11)

致谢 (12)

摘要

金融是现代经济的核心，商业银行是一国金融机构体系的主体。资产负债管理对于商业银行经营管理有着重要作用，它对商业银行来说是一种全方位的管理办法，是为商业银行达到经营目标而协调各项业务的管理。经历了数十年的发展，资产负债管理在经营活动中展现了一系列的缺陷和问题。我国的商业银行资产负债管理深受市场利率化改革的影响。随着利率市场化的深化，商业银行在竞争上会越来越激烈。完善资产负债管理成为了提高商业银行竞争力的必然途径。

本文首先介绍了资产管理理论、负债管理理论、资产负债管理理论。其次说明了商业银行的作用及资产负债管理的意义。分析我国商业银行的发展现状中提出我国商业银行存在的问题，对资产负债管理的重视程度不够、负债种类少、储存存款在商业银行中比重偏高和资产缺少流动性的问题。最后针对提出的问题，从在资产负债管理的业务体系建立上加快步伐、提高对资产负债管理的认识和扩大业务范围和深化利率市场改革等方面来解决问题。

关键词：资产负债管理；利率市场化；负债

ABSTRACT

Finance is the core of modern economy, commercial banks are the main body ofa country's financial institutions system. Asset liability management plays an important role in the operation and management of commercial bank, it is a management approach to the commercial bank, and coordinate the various business for commercial banks to achieve the business objectives of management. Has experienced decades of development, the management of assets and liabilities has exposed the defects and a series of problems. Interest rate marketization reform, which have a serious influence on the asset liabilitymanagement of commercial banks in China, with the deepening of the marketization of interest rate, commercial banks competition more and more intense. In order to improve the competitiveness of commercial banks improve asset liability management has become a necessary way.

This paper first introduces the theory of asset management, liability management theory and the theory of asset liability management. And China's commercial banks after the current situation of the in development of several decades after the.Secondly, put forward the existing problems of commercial banks in China from the analysis of the current situation of the development of China's commercial banks, the importance of asset liability management is not enough, commercial bank assets structure unreasonable, irrational management structure of commercial bankliabilities. Finally, in response to be questions, put forward the perfect suggestionsfrom the government and the commercial banks themselves. Keywords：Asset liability management；Interest rate liberalization；Liabilities