探索价值引领的高质量商业银行资产负债管理体系

Exploring the value-led high-quality asset-liability management system of commercial banks

资产管理规模和客户融资总量连接着客户的投资需求和融资需求,已成为国内银行业广泛使用的管理指标,是资产负债管理转向客户视角的基础,但距离全面客户视角的资产负债管理体系建设依然任重而道远。商业银行应转向一体化综合服务,从传统存贷款向客户视角的综合金融服务演进,从银行存贷款定价向客户投资回报和融资贡献演进,从净息收入为主向净息与非息收入平衡方向演进。

The report to the 20th CPC National Congress pointed out that it is necessary to accelerate the creation of a new development pattern and pursue high-quality development.Focusing on value creation,commercial banks play the role of the lifeblood of the economy through serving the real economy.They are practitioners and explorers of high-quality development.This article points out that in order to achieve high-quality development,commercial banks need to keep the passion of serving the country and the people with financial services,actively adapt to new situations,new changes and new challenges,aim at creating value,continue to deepen management reform,improve the level of asset and liability management,and establish an asset-liability management system that matches the high-quality development of commercial banks,so as to create value for customers,employees,shareholders,partners and society,and contribute to financial development with Chinese characteristics.