| The administrative strategy of the Bank of China has gradually changed into that business since the implementation of the reform and opening policies. In order to compete with other commercial bank, Bank of China has taken many advanced measures in management from abroad. Nowadays commercial bank in China is demanded to carry out assets-liabilities and risk management. The essay focuses on the practical importance for Bank of China to take asset-liability administration through its origin and development. On one hand, the article points out that the deepening reform target of the Bank as a state-owned one is to enforce the kernel competitive ability, to maximize the profits and to prevent the hazard of liability, credit and investment simultaneously. On the other hand, the passage argues that asset-liability management is the most feasible way for the Bank to choose to become a large international bank and a joint stock one. Therefore, it is pressing and necessary to enforce credit risk management and study on it. In order to adapt the need, the paper lays emphasis on evaluation and decision for Bank of China assets-liabilities and risk management.In this paper, starting from the analysis on ALM theory, the writer analyses the current situation in Chinese commercial bank. Based on the theoretical analyses, it's imperative for Bank of China to effect asset-liability management. Meanwhile, the article also sets forth the problems of unitary assets, ideological backwardness, and the heavy burden, etc. in the management of the Bank's present situation. For solving the problems, the article suggests that the Bank increase its capital, create new areas of business, improve the assessment system, etc. So as to enlighten the Bank to reform commercially. |
