国际中文开源期刊平台

利率市场化对商业银行资产负债管理的影响研究

Research on the Influence of Interest Rate Liberalization on Commercial Banks’ Asset Liability Management

财经聚焦 / 2022,4(1)：1-17 / 2022-01-19 285 308

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• 作者： 唐凯桃¹      张继蔓²      王钟枢³     
• 单位：

  1．重庆银行博士后科研工作站，重庆； 
  2．重庆理工大学会计学院，重庆； 
  3．重庆三峡银行，重庆
  

• 关键词： 利率市场化；资产负债管理；商业银行；优化路径
• Interest rate liberalization; Asset liability management; Commercial banks; Optimization paths
• 摘要： 我国经济社会稳定发展为深入推进利率市场化提供了充足的外部条件，一系列完 善的金融体系与机制逐步建立形成。而与此同时，利率市场化为银行业发展营 造更为宽松有效的金融环境，促进行业发展亦使得行业竞争加剧，业务结构与 管理方式面临重大变革，对商业银行资产负债管理能力提出更高要求。本文通 过对我国利率市场发展进程进行梳理，将其划分为四个主要阶段，并就市场化 各阶段的主要成果与存在问题进行讨论。基于此，对利率市场化进程的持续推进， 给我国商业银行资产负债管理模式带来的影响展开详细分析，并进一步探索新 形势下银行资产负债管理的优化路径。
• With the stable development of Chinese economic society, it provides sufficient external conditions for further promoting the interest rate liberalization, a series of sophisticated financial system and mechanism have been gradually established. The interest rate liberalization creates a more comfortable and effective financial environment for the development of the banking, but also intensifies the competition in the industry, the business structure and management style are facing with great innovation, which puts forward greater requirements for the asset liability management of commercial banks. By combing the development process of China’s interest rate liberalization, this paper discusses the main achievements and existing problems of each stage of interest rate liberalization. Based on this, this paper analyzes the impact of the continuous promotion of interest rate liberalization on the asset liability management of commercial banks, and probes into the optimization paths in the Current Situations.
• DOI： https://doi.org/10.35534/fef.0401001
• 引用： 唐凯桃，张继蔓，王钟枢．利率市场化对商业银行资产负债管理的影响研究［J］．财经聚焦， 2022，4（1）：1-17．