Since the 1970s, continuous changes in financial area has aggravated the uncertainty of markets and increased the difficulty banking management both interior and exterior, and new dynamic and discretionary ALM emerged.

• 自20世纪70年代以来,金融领域的不断变化使市场的不确定性日益加深,同时加大了银行风险,也使商业银行资产负债管理的内涵不断发展和丰富。