Analysis on the Asset and Liability Management of Commercial Banks under the Background of Strict Supervision

Abstract

Since 2017, domestic financial regulatory policies have become increasingly stringent, and regulators have formulated a series of regulatory measures. Commercial Banks are facing multiple pressures, such as increased risk exposure on the asset side, intensified deposit competition on the liability side and insufficient capital. Under the background of strict supervision, commercial Banks need to strengthen the ability of asset and liability management, complete transformation and upgrading. With income as the core, establish a diversified asset allocation system, take service as the core, improve the management model of active liabilities, pay attention to risk management and control, and take measures to ensure capital adequacy ratio