利率市场化背景下的商业银行资产负债管理——以宁夏为例

Assets-liabilities Management of Commercial Banks in the Context of Interest Rate Liberalization——A Case of Ningxia

作为经营风险的高杠杆行业,商业银行资产负债管理在其经营管理中占有重要的地位,是商业银行业务覆盖面非常广的管理体系,对其实现经营目标具有决定性的作用。随着我国利率市场化改革的深入推进,商业银行之间的业务竞争空前激烈,在此情况下,如何提高资产负债管理效能,是商业银行提高核心竞争力、取得竞争优势的必然选择。本文以宁夏回族自治区为例,选择具有代表性的国有商业银行和地方性银行,分析了其资产负债管理现状,比较了其资产负债管理的实施效果,提出存在的问题和短板,从金融监管和商业银行自身发展两方面提出提升商业银行资产负债管理效能的政策建议。

As an industry with the high-levered operation risk, the assets-liabilities management of commercial banks plays an im- portant role in the banks＇ management, which is a management system covering a wide range of business, and is crucial to the realiza- tion of their operation goals. With the deepening of the market-oriented interest rate reform in China, the business competition among commercial banks has been extremely fierce. Therefore, how to improve the efficiency of asset-liability management is the inevitable choice for commercial banks to improve their core competitiveness and achieve competitive advantage. Taking several banks of Ningx- ia Hui Autonomous Region as an example, selecting several typical state-owned and local banks, the paper analyzes their asset-liability management status, compares the implementation effect of asset-liability management, raises the problems, and puts forward policy suggestions on enhancing asset-liability business management efficiency from two aspects of supervision and commercial banks them- selves respectively.