This paper draws on the experiences of the United States and Japan in low-interest-rate environments to propose that,in the face of downward pressure on interest rates,Chinese commercial banks should strengthen their asset-liability management,optimize the structure of deposit interest rates,and drive a transition towards lighter capitalization.These strategies are aimed at enhancing the banks'ability to withstand interest rate risks.
low interest ratesnet interest marginasset-liability managementdiversification and transformation
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