What are the asset and liability management processes of commercial banks

Legal analysis: the process of asset-liability management of commercial banks can generally be divided into setting business objectives, predicting the market environment, analyzing the current situation, predicting risks and returns, setting the range of risks that can be borne and discussing the corresponding countermeasures, allocating economic capital and formulating countermeasures, position operation, process monitoring, and performance analysis.

Legal basis: Interim Measures for Supervision and Regulation of Insurance Asset and Liability Management Article 8 An insurance company shall assume the main responsibility for asset and liability management, establish a sound asset and liability management system, and continuously improve the level of asset and liability management. Part of the asset-liability management duties can be performed by the insurance group, and relevant functions such as asset allocation and account management can be entrusted to third-party organizations such as insurance asset management companies. Insurance companies should monitor the asset-liability matching situation in a timely manner to prevent the risk of asset-liability mismatch.