我国商业银行资产负债管理现状与对策

The Status and Strategy on ALM of Banks in China

资产负债管理是重要的现代商业银行经营管理方式,其效率的高低直接影响着银行的竞争实力。我国商业银行的资产负债管理不仅起步晚,发展也还不完善,这在很大程度上影响了我国银行业的竞争力。现在,我国银行业的对外开放日益深化,银行竞争日益激烈,分析我国商业银行的资产负债管理的现状并找出问题和差距,有的放矢地改善我国商业银行的资产负债管理尤为重要。

Asset liability management, or ALM, is a most influential operation and management method for modern commercial banks. The efficiency of ALM affects the competitive ability of banks directly. ALM of Chinese Commercial bank has been not only implemented late, but also developed imperfectly which has affected our banks＇ competitive ability to a great extent. Currently, with our banks opening to the outside of the world, and the competition among banks has been becoming more and more drastic, it＇s very important to analyze the ALM status, find the problems and improve our banks＇ ALM with a definite purpose.