Research On The Adjustment Of Commercial Banks’ Assets And Liabilities Based On The Central Bank’s Reverse Repos

Currently, the face of steady growth in domestic economic pressures facing theworld’s countries have further strengthened the policy of quantitative easing, thecentral bank does not take the traditional lower the deposit reserve ratio and interestrate cuts, whereas frequent operation reverse repo tool. This is because relative toother monetary policy tools to regulate the money supply through reverse repo is notonly flexible, but also more neutral.Central Bank recently announced monetary policy implementation reportrevealed the central bank’s monetary policy changes in the new trends: it is not onlythe reverse repo on monetary adjustment of various monetary policy tools the firstposition, showing that in the short term future will become the central bank reverserepo primary means of monetary policy instruments; and central bank report alsoshows that the central bank open market operations, liquidity management willbecome the most important monetary policy mix.Directly to the central bank through reverse repurchase funds into the bankingsystem, to ensure that commercial banks have sufficient available funds invested,making the micro-economic entities’ credit needs are met at the same time, throughthe money supply, interest rates, public expectations and other occurrence role, butalso the assets and liabilities of commercial banks had a significant impact. However,faced with the central bank reverse repo operations, assets and liabilities ofcommercial banks in a single structure, and the assets and liabilities in the size andduration of the lack of matching, while commercial bank risk consciousness, asset andliability management methods are simple. These are the scientific response to thecentral bank to commercial banks macro-control, to ensure the profit level, sustainedbusiness development potential problems.Therefore, this article will discuss in-depth analysis of the central bank andreverse repo background, commercial banks operating environment, based on theassets and liabilities of commercial banks through the management theories and foreign commercial banks asset and liability management system and advancedscience and technology studies, comparison of commercial banks and foreigncommercial banks in the balance differences, and to learn from foreign commercialbanks, asset-liability management experience at the same time, China’s commercialbanks to effectively analyze the actual internal and external business environment aswell as its own business development needs, hopes in the balance adjustment aspects,liabilities and off-balance adjustment comprehensive adjustment for commercialbanks’ balance adjustment and management comments and suggestions for China’scommercial banks to actively respond to the central bank reverse repo businessoperations, continuing operations, stability and development to provide some help.