摘要
资产负债管理(Asset-liability Management,ALM)是现代商业银行生存发展的根基和生命线。随着金融机构贷款利率管制全面放开和存款利率有限上浮,利率市场化的步伐正渐行渐近,并对商业银行的经营管理尤其是资产负债管理带来巨大挑战。如何通过管理转型提升资产负债管理能力,已成为值得商业银行深入探索的课题。本文分析了资产负债管理转型的方向并提出对策。
Interest rate marketization will bring fundamental changes to commercial bank＇ s business structure, income structure and risk structure. It is necessary for commercial banks to drive the transition of asset and liability management and to enhance the ALM efficiency. Based on the gradual progress of the ALM theory and practice, and the challenge faced with the commercial banks by interest rate marketization, we make a study of the direction of ALM transition.
出处
《江苏商论》
2014年第5期52-55,共4页
Jiangsu Commercial Forum
关键词
利率市场化
资产负债管理
FTP
Interest Rate Marketization, Asset and Liability Management, FTP
