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在当前社会形势下,我国商业银行的发展与利率的关系也日益密切。同时,目前商业银行的资产负债不断增加,这也使得利率成为商业银行竞争力高低的关键因素所在。在利率市场化背景下,各个银行必须重视自身的资产负债管理工作。在本论文中,笔者首先分析了利率市场化对商业银行资产负债管理的影响以及资产负债管理工作中存在的问题,而后对利率市场化视阈下加强我国商业银行资产负债管理的对策进行了深入探讨。
In the current social situation, the relationship between the development of China’s commercial banks and interest rates is also getting closer. At the same time, the current assets and liabilities of commercial banks continue to increase, which also makes the interest rate of commercial banks become the key factor in the level of competitiveness. In the context of interest rate liberalization, all banks must pay attention to their own assets and liabilities management. In this thesis, the author first analyzes the impact of interest rate marketization on the assets and liabilities management of commercial banks and the problems in the management of assets and liabilities. Then, the countermeasures to strengthen the asset and liability management of commercial banks in our country Discussion.