Study On The Influence Of S Bank’s Asset Liability Structure On Net Interest Margin

With the further development of interest rate marketization,the indicator of net interest margin has been accepted by more and more people.It reflects the proportion of the bank’s net interest income in the scale of interest bearing assets.Compared with the return on net assets and the return on total assets,it can better reflect the profitability of interest bearing assets and interest bearing liabilities of commercial banks,and is also related to the strength of the core strength of commercial banks.In2013,China liberalized the control of loan interest rate.After liberalizing the control of deposit interest rate in 2015,China basically completed the marketization of interest rate.As a financial intermediary,the banking system also began to face fierce competition in capital price.After the deregulation of loan interest rate,banks began to carry out loan interest rate price competition in order to attract high-quality customers and enrich other financing means and tools.As a direct result,it pushes up the cost of deposits,lowers the income of loans,narrows the margin between deposits and loans,and greatly restricts the profit growth of banks.In addition to increasing institutional outlets and expanding the scale of traditional credit busin ess,commercial banks must actively explore and promote the transformation of business operations,and hedge the narrowing of net interest margin by adjusting the structure of assets and liabilities.Therefore,this paper chooses S Bank as the research object,and analyzes the specific impact of the assets and liabilities structure of S Bank on the net interest margin,hoping to provide more theoretical and data support for S Bank and other small and medium-sized commercial banks on how to improve the net interest margin.Firstly,the paper introduces the research background,research significance and the research results of scholars at home and abroad,and shows the relevant concept definition and theoretical basis of optimizing the net interest margin by adjusting the asset liability structure;Secondly,it introduces the current situation and problems of s Bank’s asset liability structure and net interest margin;Secondly,it introduces the current situation and problems of S Bank’s asset-liability structure and net interest margin.Thirdly,it is the focus of the article,using empirical analysis method,selecting samples and variables,demonstrating the influence direction and degree of each main factor in S Bank’s asset-liability structure on net interest margin;Finally,according to the previous analysis,this paper summarizes the research results,provides specific solutions to the net interest margin management of S Bank,and also provides reference for other small and medium-sized commercial banks on how to improve their profitability and management level.