中文摘要：

随着银行外部融资需求加大，融资市场的逆向选择现象将对一些银行的资产负债管理决策产生相应影响。本文介绍这种因为外部融资信息不对称和银行资产负债管理特性所形成的资产负债管理逆向选择效应，并通过不同角度对我国上市银行资产负债管理逆向选择效应存在性进行实证研究。研究结果表明样本银行的资产负债管理可能存在一定程度的逆向选择效应。

英文摘要：

Along with the rapid growth of banks＇ financing needs, the adverse selection from the outside capital market will greatly influence banks ＇ asset liability management （ALM） . This article introduces adverse-selection effect to banks＇ ALM in terms of the characterics of ALM and asymmetry between the outside investors and banks. The study also empirically employs different ways to show whether there is adverse-selection effect in ALM of China＇s listed banks, and concludes that there may ba adverse-selection effect in ALM among the samole banks.