The requirements of the basel agreement are designed to encourage bank to strengthen their capital position and consider the risk of the off - balance - sheet commitments . asset - liability management is integrated of self - discipline and financial supervision . the purpose of asset - liability management is to formulate strategies and take actions that shape a bank ' s balance sheet as a whole in a way that contributes to its desired goals 资产负债比例管理是一种自律管理与外部监管有机结合的管理方式，其实质是在银行长期战略计划指导下，在短期金融计划和决策中协调好资金来源和资金运用的内在联系，实现资金流动性、安全性、盈利性的均衡，是流动性资产、债券贷款、负债和资本相结合的综合管理。
