随着我国利率市场化进程的一步步深化,市场竞争环境进一步复杂激烈,市场风险加大,银行业迎来更多不确定的风险,银行的资产负债管理水平面临考验。利率市场化下,银行资产负债管理难度加大,利差收益面临收窄,流动性风险进一步加大等不利因素众多。针对这些影响,本文提出了树立科学的资产负债管理理念,优化资产负债结构,提高风险计量水平,加强总行对分支行利率定价监管及引导作用,以及加强资产负债管理精英团队建设等建议。 With the deepening of the marketization of interest rates in China, the market competition environment is further complicated and fierce. As the market risks increase, the banking industry ushers in more uncertain risks and the asset and liability management level of the banks faces the test. With the marketization of interest rates, bank assets and liabilities management has become more difficult, interest income spreads have been narrowed, liquidity risks have been further increased, and many other unfavorable factors have emerged. In view of these influences, this paper puts forward some suggestions, such as setting up a scientific concept of asset and liability management, optimizing asset and liability structure, raising the level of risk measurement, strengthening supervision and guidance of head office on interest rate pricing of branches and sub-branches, and strengthening the construction of elite team of asset and liability management.