Research On Optimization Of Asset And Liability Management Of H Bank L Branch

In recent years,with the sustained downward pressure of the global economy,the rapid changes in financial markets,the increasingly stringent financial regulatory policies and the deepening promotion of interest rate marketization,asset and liability management of commercial banks in China is facing many challenges and problems are constantly highlighted.As an important way of commercial bank management,asset liability management is an important means to achieve the coordination and unification of asset liquidity,risk and profitability.Today,with the deepening of financial reform,most commercial banks in China have basically become an important pillar to promote regional economic development after more than ten years of development.However,with the continuous advancement of market interest rate in recent years,the profitability of commercial banks has been challenged enormously.There are many pressures,such as narrowing interest margin,fierce competition and market risk.Therefore,for commercial banks,there is an urgent need to innovate the current asset-liability management system and management mode,and establish a scientific asset-liability management system mechanism that matches the market.Based on this,this paper takes H Bank L sub-behavior as an example to analyze the current situation and problems of the bank's asset-liability management,and to find ways to improve the level of the bank's asset-liability management.This paper uses the methods of literature research,data analysis and case analysis to guide the research based on the theory of asset-liability related management.It also analyses the current economic situation and the influencing factors of asset-liability management of commercial banks under the new situation.Based on the analysis of the main financial data of L Branch of H Bank,this paper puts forward the problems existing in the bank's ideology,assets and liabilities structure,assets and liabilities management system and business innovation ability.With the change of external economic situation,the impact of asset-liability management of commercial banks has also changed accordingly.In the new environment,in order to keep pace with the development of the times,it is necessary to further optimize the current asset-liability management.In view of the actual situation of H Bank L Branch,this paper puts forward four optimization countermeasures:deepening ideological awareness and increasing asset-liability.Management attaches importance to,adjusts the structure of assets and liabilities,improves the matching degree of assets and liabilities,improves the management system of assets and liabilities,improves the management level of assets and liabilities,strengthens innovation,adapts to the development needs of the new situation and so on.It is hoped that through the proposals of these optimization countermeasures,the management level of assets and liabilities of H Bank L Branch can be improved under the new situation,and the transformation of its assets and LIA.