Commercial Bank Asset Liability Management

After China joning WTO, Chinese commercial banks are facing huge strikes and challenges. Our commercial banks still have big shortage comparing with foreign banks in assets and liabilities management .The purpose of this article is to study how commercial banks can manage well the proportion management of assets and liabilities from macroscopical angel .Beginning with the basic theories of the assets and liabilities management .combining the actuality of proportion management of assets and liabilities of Chinese commercial banks, using qualitative and quantitative analysis ways, this article profoundly analyzes the four kinds of problems existing in the present assets and liabilities management, and gives the relative resolving methods. That is : 1. establish the scientific and canonical management structure of artificial person, to adapting for proportion management of assets and liabilities according the requirement of modern enterprise systems; 2. reinforce the inner supervision and enhance the core competitive ability of commercial banks, according to the requirements of Bacel Agreement; 3. manage well various kinds of assets and liabilities of commercial banks with scientific methods; 4. improve the present balance sheet to meet the needs of proportion management of assets and liabilities . Especially the concept of safety benefit coefficient and improving balance sheet raised in Chapter 4 is a innovation, which has actual guiding effect to the present proportion management of assets and liabilities of commercial banks.