金融新常态对中小银行资产负债管理的挑战

经济金融环境的变化对中小商业银行资产负债管理提出了挑战。在对中小银行的特征进行分析的基础上，明确其优势和劣势，并从利率市场化、存款保险制度、互联网金融、金融创新、巴塞尔协议Ⅲ五个角度，探讨金融新常态对资产负债管理的冲击。最后，提出完善中小银行资产负债管理的建议，推动中小银行从资产负债的“被动管理、分离管理、表内管理”向“主动管理、统一管理、全面管理转变”。

The Challenges to Asset and Liability Management of the Small and Medium Banks Under the Financial New Normal

The changes of economic and financial environment put forward a challenge to the asset and liability management of small and medium banks. On the basis of analysis of the characteristics of small and medium banks, the paper makes the advantages and disadvantages clear, and discuss the shock of ifnancial new normal to the asset liability management from the ifve perspectives, including interest rate marketizaion, deposit insurance system, internet ifnance, ifnancial innovation and Basel Accord III. Lastly, it puts forward some suggestions to promote the asset and liability management of small and medium banks.