Studies On The Liquidity Risk Management Of Chinese Commercial Banks In The Background Of Global Financial Crisis

The contradiction between interest and liquidity of commercial bank is the underlying reasons that cause liquidity risk. Due to its uncertainty and phenomenal destruction feature liquidity crisis is very likely lead to incurred huge losses, even results in bank failures. So it is the mortal risk for the bank. Therefore, reinforcing liquidity management is an important issue that commercial bank operators must deal with. Liquidity Problem is one of the main unresolved difficulties the world financial sector facing.Due to Institutional and structural reasons, there are defects in Chinese commercial banks liquidity risk management. On the one hand, the relatively homogeneous asset-liability structure and period mismatch of asset-liability, and other micro-risk factors, which very likely lead to liquidity risk, have perplexed China's commercial banks for a long time. On the other hand, with underdeveloped in China's financial market and inadequate development of risk assessment market, the interim financing capability of Commercial bank is limited. The liquidity risk management capability of commercial bank is inadequate. Along with being under protected by government for a long time, and lack of comprehensive studies on liquidity crisis management, the existing commercial banks liquidity risk management system is not yet perfect in China.This article based on the study of commercial banks liquidity risk management situation in China, and the deficiencies and future trends of commercial banks liquidity risk management system in Europe and America in the context of the global financial crisis, identified their existing problems and advanced aspects. Take it for reference this paper brought up suggestions for liquidity risk management of Chinese commercial bank. This article mainly includes five parts:the first chapter is an introduction of the background and meaning of the topic selected of this thesis, and the research paths. The second chapter introduces both domestic and overseas research documents. Chapter III starting from the sub-prime crisis, analyzed the deficiencies and future trends of commercial banks liquidity risk management system in Europe and America. Chapter IV analyzed Chinese commercial Bank's liquidity risk situation and the deficiencies in existing system of liquidity risk management. Chapter V is the reference of commercial banks liquidity risk management of American and European countries to China.