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中国人民银行总行决定从1994年开始对金融信托投资机构的资金管理试行资产负债比例管理办法,并制定了资本充足率、委托存贷款比例、自营存贷款比例等十项管理指标,各项指标间相互联系,相互制约,分别从安全性、流动性和效益性等不同方面,制约和规范了金融信托投资机构的日常经营。通过一年来的运行,我们发现,资产负债比例管理对信托投资机构调整和保持合理的资产负债结构、保证支付能力、减少经营风险,实
The People’s Bank of China decided to start trial asset ratio management measures for capital management of financial trusts and investment institutions from 1994, and formulated 10 management indicators such as capital adequacy ratio, entrusted deposit and loan ratio and proportion of self-operated deposits and loans. All indicators Inter-related and mutual restraint, restrict and regulate the day-to-day operation of the financial trust and investment institutions from the aspects of safety, liquidity and profitability respectively. Through the operation of the past year, we have found that the asset-liability ratio management adjusts and maintains a reasonable asset-liability structure for trust and investment institutions, ensures the ability to pay, and reduces operational risks. In fact,