Chongqing Bank Liquidity Risk Management Study

At present, it is plenty of liquidity of commercial bank in our country, especially at the end of last year, after the government put forward 4 trillion yuan investment plan and complement of ten industry promotion projects,moreover it came up with proper easy monetary policy and positive finance policy, credit supply has reached 7.47 trillion yuan in the first half of the year, and the liquidity of capital and currency markets overrun. At the same time, under the pressure of liquidity surpluses, more funds pursuing less projects that could cause excessive competition, overtop loan concentration ratio,lower loan admittance threshold and enlarge credit venture and then affect the profit ability and liquidity.of the bank。In recent years, supervisory board has attached more importance to liquidity venture management of our commercial bank, come up with a series of regulations and has taken some measures to increase liquidity, but because of all kinds of traditional and real reasons, for example supervisors lack experience, commercial bank executes inadequate and is by force of profits pressure etc, the governors pay less attention to liquidity venture than bank business development in our commercial bank management, their active management sense is worse, on the conditions that bank devotes to solve liquidity surplus,and it is easy for bank to ignore liquidity management, Meanwhile, with the development of financial market, financing forms and financial tools are diversified, the reforms of interest rate marketization deepen constantly, the sensitivity of bank deposit and credit increase due to above factors changes, bank deposit and credit fluctuate frequently and theirs range increase, the liquidity venture of commercial bank increases correspondingly. Chongqing Bank is a local joint-stock system company, and faces or has the same above problems. According to the conditions, the paper is based on security of commercial bank, from bank liquidity venture causes and common management methods to international bank industry experience learning. The paper makes research on actualities of liquidity management of Chongqing Bank and thinks that the main problem of liquidity management of Chongqing Bank lies in lack of management initiative, liabilities stability fall, long-term capital time limit, short of currency market involvement degree etc. On the basis of that, the paper put forward some theoretic suggestions on strengthening liquidity management of Chongqing Bank, including arranging liquidity reasonably, stressing on capital liabilities time limit matched, raising capital liquidity and liabilities stability etc. At the same time, other suggestions are about how to take some emergent measures to liquidity venture, how to carry out emergent preplan etc。...