中国商业银行资产负债管理体制的演进及取向

Evolution and Direction of Chinese Commercial Bank Capital Asset Liability Management System

商业银行资产负债管理是对仅以资产管理为主和仅以负债管理为主的突破,强调必须根据市场经济及金融情况的变化,通过资产结构和负债结构的共同调整,达到银行经营管理所要求的安全性、流动性、盈利性均衡发展的目的。我国商业银行资产负债管理体制历经多次改革,虽然已建立了运作框架,但在操作和实践中还存在着诸多不足,仍需要在管理方法及环境建设等方面进一步加强和完善。

Commercial bank asset liability management is about the financial change according to market economy, and realizing balance of banking management through capital structure and asset hability structure. Chinese commercial banks have experienced many reforms in capital management system, although it has set operating structure, it still has many short comings; therefore, many aspects need to be improved.