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论文编号：	7359
作者编号：	2120122722
上传时间：	2015/6/7 18:59:56
中文题目：	工商银行资产负债管理的研究
英文题目：	A Research on assets and liabilities management of industrial and commercial bank of china
指导老师：	李 莉
中文关键字：	利率市场化；资产负债管理；利率敏感性缺口；工商银行
英文关键字：	Interest Rate Marketization; Asset Liability Management; Interest rate Sensitivity Gap; Industrial and Commercial Bank of China
中文摘要：	随着中国银行业利率市场化进程的加快，我国商业银行在经营管理中面临更多挑战，尤其对于资产负债管理提出了更高要求。随着利率化步伐的加快，我国商业银行一方面要应付利率波动带来的影响，尤其是考验资产负债管理和风险管理水平，另一方面目前我国商业银行利润主体仍为利差收入，商业银行如何克服风险与盈利，从而使利率市场化下资产负债管理能力有提升值得研究。本文正是找准此课题，以工商银行为研究样本，在研究发达国家银行利率市场化进程中的资产负债管理的相关文献和发展经验后，运用多种分析方法如总结归纳、案例分析、对比分析、利率敏感性缺口分析等，研究了工商银行资产负债管理的现状以及存在的主要问题，提出了工商银行应对利率市场化改革的优化方案。 本文首先是引言部分，从理论和现实两个角度介绍了本文的研究背景与研究意义，分别从国外、国内两个角度对研究动态展开评述，并指明本文的研究内容与方法；第二章为研究利率市场化和资产负债管理的相关内涵与实践经验，为后文的研究奠定理论与实践基础。第三章以工商银行为研究样本，分析了工商银行的发展与资产负债管理现状，进而引出了工商银行在利率市场化下资产负债管理中存在的主要问题。第四章为利率市场化下工商银行资产负债管理的优化方案，主要包括四方面内容：一是健全资产负债管理组织架构；二是调整资产负债管理岗位设置；三是优化资产负债管理流程；四是改进资产负债管理技术。第五章为工商银行在利率市场化背景下加资产负债管理优化方案的应用。最后为本文的结论与展望部分。
英文摘要：	With the speeding up of Chinese banking interest rate marketization， the commercial Banks in China face more challenges in the business management， particularly for assets and liabilities management put forward higher requirements. The quickening pace of interest rate change， on the one hand， Chinese commercial Banks to cope with the effects of interest rate volatility， especially the test asset liability management and risk management level， on the other hand， at present our country commercial bank profit main body is still the interest income， commercial Banks how to overcome the risk and profit， so that the marketization of interest rate of assets and liabilities management ability promotion is worth studying. This article is for the subject to industrial and commercial bank as the research sample， the research in the process of the marketization of interest rates in the developed countries of the related literature of assets and liabilities management and development experience， using a variety of analysis methods such as summarizing， case analysis， comparative analysis， interest rate sensitive gap analysis， studied the present situation of the industrial and commercial bank asset liability management and existing main problems， put forward the optimization scheme of industrial and commercial bank deal with market-oriented interest rate reform. This article first part is the introduction， from the angles of theory and reality， the paper introduced the research background and research significance of this article， respectively from the perspective of both foreign and domestic research are dynamic， and pointed out in this paper， the research contents and methods; The second chapter for the study of interest rate marketization and related assets and liabilities management connotation and practical experience， theory and practice foundation for the later research. The third chapter to industrial and commercial bank as the research sample， analyzes the development and the present condition of the assets and liabilities management， industrial and commercial bank of which raises the industrial and commercial bank under the marketization of interest rate of the main problems existing in the assets and liabilities management. The fourth chapter to the marketization of interest rate， the optimized plan for the industrial and commercial bank asset liability management mainly includes four aspects: firstly， improve the assets and liabilities management organizational structure;Secondly， it is to adjust the assets and liabilities management job Settings; Three is to comb asset liability management processes; Four is technology innovation asset liability management. Chapter 5 for industrial and commercial bank under the background of marketization of interest rate in order to strengthen the management of assets and liabilities safeguards.The last part conclusion and prospect of this article.
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