国有商业银行实施资产负债比例管理的难点及对策

国有商业银行实施资产负债比例管理的难点:资本结构单一,资本充足率过低,资产负债结构单一,不良资产比例过大,刚性利率和政府干预。针对这些问题,应果断增加资本金,调整资产负债结构分散风险,降低不良资产比例,理顺政企关系和推动利率市场化改革等。

Solving the Serious Systematic Problems of Banks and Strengthening the Administration of the Proportion of Assets and Liabilities

The author researches the serious systematic problems of capital structure, capital sufficient rates, structure of assets and liabilities, inferior assets, rigidity of interest rate and governmental interference on the side of state-owned commercial banks and their negative influences on the administration of the rate of assets and liabilities and puts forward the suggestions of increasing stock capital, adjusting the structure of assets and liabilities to disperse the risk, reducing the proportion of inferior assets, coordinating the relations between the government and enterprises and promoting the reform of adjusting the interest rates by market to deal with the above-mentioned problems.