利率市场化背景下天津市中小型商业银行负债管理状况及问题

The Liability Management and Its Problems of Small and Medium-sized Commercial Banks of Tianjin City under the Background of the Interest Rate Marketization

随着利率市场化的不断推进,商业银行资金成本不断提高,净息差缩窄。在利差为主的盈利模式下,负债管理对资产管理有重要影响,也在很大程度上决定了商业银行的盈利能力。本文以天津市中小银行为样本,分析了在利率市场化背景下中小型商业银行负债管理的现状及存在的问题,提出了相关政策建议。

With the advancement of the interest rate marketization, the cost of the capital of commercial banks has been increasing,and the net interest margin has narrowed. Under the mode that the spread is the major mode of the profit, the liability management places an important influence on the asset management, and also determines to a large extent the profitability of commercial banks.Taking small and medium-sized banks of Tianjin city as samples, the paper analyzes the present situation and existing problems of the liability management of small and medium commercial banks under the background of the interest rate marketization, and puts forward relevant policy suggestions.