Research On Liquidity Risk Management Of China's Commercial Banks

At present,globalization has been the trend of the world's economy,the relation between the finance and economic are becoming increasingly close.In one sense,the financial economy has increasingly become the core of the national economy,whether the financial system running smoothly or not will have a huge impact for the entire national economy.Since August 2007,the Sub-prime mortgage crisis originated from the United States has caused huge loss for the world banks and become spread to the whole world rapidly.The collapse of Lehman Brothers triggered a sharp market panic and volatility,and then raised the concerns of liquidity risk.This financial crisis has a major impact on global markets and also on the global banking system,and also has brought a great challenge for the entire financial system.Since the financial system's appearance,commercial banks has been always accompanied by the liquidity risk,and become one of the most important risks the commercial banks.The issue of liquidity has not been solved and become one of the main problems for the world's financial sector.If the liquidity problem can not be satisfactorily resolved,the liquidity crisis will threaten the survival of banks,therefore, the liquidity risk management is particularly important.Based on the background,this article has researched the liquidity risk management of China's commercial banks in-depth from the perspective of theory and practice.This article includes five parts related to the liquidity risk management problems of China's commercial banks.The first part of the article mainly describes the background and significance to study,the present research situation at home and abroad,as well as the structural framework of this article.The second part introduces the related definition and theory to the liquidity risk management of commercial banks,analyze the causes,classification and indicators of measurement for the liquidity risk management.The third part of this article discusses and analyzes the current situation of the liquidity risk management for China's major commercial banks. Combined the discussion and analysis of the previous three chapters,in Partâ…£of this article,the author has given a number of policy recommendations to strengthen liquidity risk management for China's commercial banks.Partâ…¤is an example for the liquidity risk management,Yantai City Commercial Bank gives us a perfect example for liquidity risk management from the perspective of practice.