The assets - liabilities ratios management ( alrm ) is the comprehensive management means to assets and liabilities , which the commercial banks stipulate the quantity and quality to the assets and liabilities on ratios by applying science management system and management method 资产负债比例管理是商业银行运用科学的管理体系和管理手段，以比例的形式对银行资产和负债经营做出量和质的规定，从而对资产和负债进行综合管理的一种方法。
Part two gives a systematic description , from bank abs point of view , of the features , operating mechanism and types of abs , the necessary conditions for its implementation , as well as the operating methods of credit enhancement and credit rating that are required for implementing the abs 第二部分从银行资产证券化的角度，系统描述了银行资产证券化的特征、运作机理、品种、实施的必要条件，以及实施其需要进行信用增级、评级等主要环节的运作方法。
Since opening to the outside world , with the reform of economic system and the development of financial market , some channel for monetary policy transmission has initially formed , but the channel for credit is the main one , if the channel for credit is sound and unimpeded is the important factor which has an influence on monetary policy transmission . presently , many problems about the channel for credit have exist ed , for example , state - owned banks have shrunk in basic unit gradually , but medium and small financial institution ' s development does 目前，我国的信贷传导渠道存在许多问题，例如，国有银行在基层逐渐收缩，而地方性中小金融机构的发展没有及时跟上，加剧了货币政策传导的纳构性矛盾；大型企业资金富余信贷可获得性高而中小企业却珊于获得贷款；商1卜银行资产负债结构的不对称，在经济上升时期容易造成超贷效应，在经济厂降时朔会导致货币政策传导阻滞，等等。
Therefor , introduces the asset which can be securitizated , and introduces pass - through , asser - backed securitization , pay - through , and strips . then takes securitization of housing mortgage loan as the breakthrough . and then discusses emphasizedly the circulated mechanism about the banking - asset securitization . in addition , analyzes its competition of the banking - asset securitization , then , analyzes the cost and income of the banking - asset securitization quantificationally 为此，介绍了我国可供证券化的基础资产体系，并对过手证券、资产支撑证券、转付证券和剥离证券等品种作了简要的介绍，然后以住房抵押贷款证券化为突破口，着重探讨了银行资产证券化的运作机理；另外，对银行资产证券化融资的竞争力和成本收益进行了定量分析，为银行实施证券化提供一个决策依据。
Secondly , actions between banks and enterprises in china ' s credit market and the motivation of banks " deregulation are deeply analyzed by the means of the game theory . thirdly , the thesis studies how systematic factors in china aggravate the information asymmetry in the credit market from the aspects of property right , financial supervision and information announcement . at last , suggestions on how to dissolve the bank credi t risk and prevent non - performing banking assets increasing are put forward in the aspects of improvement of information symmetry , establishment of incentive and constraint mechanism and elimination of systematic factors which aggravate the information asymmetry 首先，论文分析了我国信贷活动中的信息不对称所产生的逆向选择与道德风险对银行资产质量的影响；其次，作者运用博弈论方法对我国信贷市场中银行与企业的博弈行为以及银行违规的动力进行了深入地分析；接着，论文又从产权、金融监管和信息披露这三个方面研究了我国的体制性因素如何加剧信贷市场的信息不对称问题；最后，论文从提高信贷市场的信息对称度、建立有效的激励约束机制以及消除加剧信息不对称的体制性因素这三个方面对化解我国银行信贷风险、防范银行不良资产的新增提出了建议。
In the second part of the paper , we illustrate the importance of the state - owned commercial banks in chinese financial system and the necessity of strengthening the alm in the state - owned commercial banking system . after analysing the current situation of the state - owned banks " alm and the existing problems of the unclear property rights , the inequilibium of the asset - liability structure , the imperfect risk control system , and the unsatisfactory computer systems for the asset - liability management . the paper analyzes the existing situation and main disadvantages , and gives some suggestion to improve the level of the alm of the state - owned commercial banks 要完善国有独资商业银行资产负债管理，首先要了解我国银行业现状，本文下半部分从我国银行体系入手说明国有独资商业银行的重要性和完善国有独资银行资产负债管理的必要性，在分析国有独资商业银行实行资产负债管理现状及存在的产权不明晰、资产负债结构失衡、风险控制系统不完善、计算机系统不能满足资产负债管理要求等问题后，根据相关问题提出完善国有独资商业银行资产负债管理的对策。
