商业银行负债管理存在的问题及对策研究

Research on the Problems and Countermeasures of Commercial Bank Debt Management

随着利率市场化的不断推进和互联网金融的扩张,商业银行负债管理对其盈利能力、风险管理等产生较大的影响,负债管理在商业银行经营管理中地位也更加重要。本文利用层次分析法对商业银行的负债管理进行定量分析,发现不同类型的商业银行负债管理水平存在较大差异,但负债管理中存在的问题较为集中,最后根据面临的主要问题提出了相关政策建议。

Along with the market interest rates continue to promote Internet banking and the expansion, debt management of commercial banks on the profit ability and risk management have a greater impact, liabilities management in commercial bank management status is more important. The analytic hierarchy process（AHP） to quantitatively analyze the liabilities management of commercial banks and found that there are large differences in different types of commercial bank debt management level, but existing debt management problems are more concentrated. Finally, according to the main problems facing the proposed related policy suggestions.