我国商业银行的负债经营存在两大问题：一是负债规模的非理性扩张；二是负债结构的非优化组合。因此，为了提高商业银行的经营效益，既要根据负债成本与资产回报率差额的大小以及有无适当的资金运用机会而对负债规模进行理性控制，又要对负债的利息结构、期限结构以及被动负债与主动负债的结构进行优化重组。%There have been two major problems in liabilities operations of commercial banks in China: irrational expansion of liabilities scale; imperfect combination of liabilities structure. In order to improve the operation profits of commercial banks, not only the liability scale should be controlled rationally according to the difference between liability costs and assets return rate, as well as all kinds of capital operation opportunities, but liability interests structure,expiration structure and the structure of passive and active liability should be optimally reorganized.
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