Because of historically unperformed assets and lack of the asset - liability management ( alm ) theory , our life insurance industry suffered a large interest spread loss 早期粗放式经营留下了沉重的历史包袱,由于缺乏资产负债管理的指导,我国寿险业经历了巨额利差损。
Bank asset - liability management ( alm ) has been a focus for a long time . scientific and reasonable alm technology and organizational framework will strengthen the bank ’ s competing power 科学合理的资产负债管理技术和资产负债管理体系将有益于增强银行企业的竞争力。
Is it really true that debt financing has no advantage at all , the lower of asset - liability ratio the better and debt financing is the last way for the enterprise 难道债权融资真是一无是处吗?企业的资产负债率真的越低越好吗?债权融资只是迫不得已无法进行股权融资时才会采取的办法吗
On this base the paper make a detailed analysis on the problems and difficulties in the development of china commercial bank ' s asset - liability management . finally the paper provide some suggestions 在此基础上，对我国商业银行实施资产负债比例管理的现状、差距和难点进行评价，最后提出实施资产负债比例管理的对策和建议。
We should tighten & improve financial control , lift control on the loan ceilings in exclusively state - owned commercial banks , gradually shift to granting loans in accordance with the assets - liabilities ratio & improve the pattern of lending 加强和改善金融调控，取消对国有独资银行的贷款限额控制，逐步实行资产负债比例管理，优化贷款结果。
It indicates that asset - liability ratio is correlated evidently negatively with profit rate of assets and yield rate of net assets , and long term asset liability ratio is correlated remarkably positively to profit rate of main business 结果表明，资产负债率与总资产利润率、净资产收益率显著负相关，长期负债率与主营业务利润率显著正相关。
The law that bank adjust continually its business structure for seeking the roads of living and development is embodied in the business adjustment from assets management to liabilities management to assets - liabilities management 从资产管理到负债管理，再到资产负债管理，无一不体现了商业银行为寻求生存发展之道而不断调整自己业务结构这一规律。
The laws that bank adjust continually its business structure for seeking the roads of living and development is embodied in the business adjustment from assets management to liabilities management to assets - liabilities management 从资产管理到负债管理，再到资产负债管理，无一不体现了商业银行为寻求生存发展之道而不断调整自己的业务结构这一规律。
The crucial lessons from the asian financial turmoil that rocked the region since july 1997 highlight the importance of prudent asset - liability management and the critical role of risk management in the investing process 始于一九九七年七月，震动整个地区的亚洲金融风暴带来一个重要教训，也就是突出了审慎资产负债管理的重要性和风险管理在投资过程中所扮演的关键角色。
The commercial bank can revitalize stock assets , increase the number of financing channels , decrease the asset - liability ratio , raise the rate of capital sufficiency and have a close relationship to the capital market through the securitization of home loans 通过住房贷款证券化，商业银行可以盘活存量资产；增加融资渠道；降低资产负债率；提高资本充足率；密切与资本市场的联系。
