A Study On The Management Of Chinese Commercial Bank's Liquidity

At present the commercial banks'liquidity of our country is adequate. But, under the liquidity excess pressure, the excessive funds focus on less and less projects. It might cause the excessive competition among the banks and unreasoning reduction the"threshold" of loan admittance. In the meantime, it enlarges the credit risk, farther affects the profit ability and liquidity of the bank. According to kinds of traditional and realistic reasons, the liquidity risk did not constitute the real rigidity stipulation in operation management of our banks. Governor's liquidity risks concern is universally not enough and the consciousness of the active management is also worse. Under the situation that the banks concentrate on how to solve the excess liquidity, it is more easily to neglect the management of the liquidity. At the same time, accompany with the development of the financial market, the financing channels and financial instruments tend to be more and more, and the reformation of interest rate regulation is continuously thorough. The sensitivity and volatility of loans and deposits are increased largely by the change of forecited factors. Correspondingly commercial bank's liquidity risk will also increase.Owing to this, this text proceeds the research on our country's liquidity management in commercial bank in current condition, stands angle in the safety of commercial bank, and starts with the facts that forms banks'liquidity risk,the common management methods, and the Learning from abroad experiences commence. The author regards that the key liquidity problem of commercial banks is the shortage of active management, the unstabilty of liability term, too long period of asset term, and the undevelopment of money market etc. As mentioned above, this text puts forward that our commercial bank should arrange primarily liquidity reasonably, increase assets liquidity, increase liabilities stability etc., to enhance the liquidity management, and also put forward the suggestions about the liquidity management in current liquidity excess situation .