Bank Asset and Liability Management in High-quality Development Phase:Trend Characteristics and Transformation Paths
High-quality development is the primary task of building a modern socialist country.As the core of the modern financial system,the high-quality development of banks needs to adapt to changes in the macro situation and deeply grasp the political and people-oriented nature of financial work.Asset and liability management is gradually moving towards a comprehen-sive,dynamic,forward-looking,integrated and balanced management stage.The main characteristics are that on the basis of portfolio management,it balances multiple constraints,takes into account multiple values,focuses on comprehensive risk man-agement and capital management,coordinates internal and external balance sheet and group integration,and achieves an organic unity of serving the overall economic and social development and its own high-quality development.On the specific path,the as-set side focuses on serving the real economy,resonates with the country's high-quality development,and focuses on optimization from the allocation of large categories of assets,credit structure,and regional selection;the liability side starts from meeting the people's growing needs for a better life,adapt to demographic trends and changes in customer structure,provide scenario-based,value-based financial services,and improve core liability management capabilities and service quality and efficiency;the capital side focuses on capital-light transformation,strengthens customer operations and joint planning,and opens up new opportunities for transformation and development path.In terms of management methods,it is necessary to adapt to the comprehensive,customer-centered,and scenario-based business model,create a broad-dimensional,customer-dimensional,and scenario-dimensional balance sheet,and establish an all-round,full-chain,and deep-level asset and liability management model.
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