Research On Asset And Liability Management Of Bank Of China Inner Mongolia Branch

The management development of commercial bank is continuously changed and adjusted along with the external factors of social changes,economic development,financial rise etc.,its basic principle is established on the maximum pursuit of profit,at the same time combining the balance of mobility and security.Assets and liabilities management is a way of management mode for prediction,organization,adjustment and supervision to all kinds of assets and liabilities,in order to realize the balance of total assets and liabilities,the rationality of its structure,and also to realize the balanced development of security,mobility and profitability,and it is very important management measure in the management mode of commercial bank,and it is also the key content of commercial bank operation and management.This article applys literature research method,method of comparative analysis,and the method combining the quantitative analysis and qualitative analysis,and it mainly starts with relative theory and advanced management concept,and it has clarified the generation of asset liability management theory,the situation which has implemented in our country and its positive significance,and the international advanced way of assets and liabilities management.According to the analysis and comparison of loan-to-deposit ratio,provision coverage etc these ratio index and main business and financial data of Bank of China Inner Mongolia branch in the recent three years,propose the existed problems of profit mode,input-output,business structure,business cost in the process of asset-liability management.According to the changes of external economy and supervisory environment,area descending pressure is enlarged,Interest rate marketization process tends to be completed,People's Bank of China continue to implement the prudent monetary policy,and the assets tend to be short-termism,and the cost is continuously rising,rebound situation of non-performing asset is severe,internet finance has developed rapidly,the difficulty of bank operation management is obviously increased.To optimize the assets and liabilities management is an urgent need for the commercial Banks to cope with environmental changes and improvement of management level.This article has analyzed and explored the measures how to perfect assets and liabilities management according to study the problems and challenges of assets and liabilities management for the present Bank of China Inner Mongolia branch,and it will be discussed in the measure aspects of perfecting management system,Optimizing assets and liabilities management measures,improving assets and liabilities management measures,adjusting the structure of client and business,improving the pricing ability,strengthening risk management and control,optimizing the performance appraisal,balancing the relationship between short and long term value target etc..Hoping for supplying some ideas and suggestions to Bank of China Inner Mongolia branch in the aspects of optimizing assets and liabilities management and improving operation level.