Xiangtan Ccb Liquidity Risk Management Study

The commercial bank's liquidity risk means the possibility that the commercial bank can not meet it's client's liquidity demand in time under the circumstances of not increasing cost or losing capital value. The liquidity risk management plays a very important role in commercial bank's operation and management. Once liquidity risk happens, it would at least interfere the commercial bank's normal operational activity or even lead to bank's bankruptcy. The severe liquidity crisis might arise financial crisis, make the society turbulent, affect the development of national economy and disturb people's quiet life. Thus, the management of liquidity risk has been a very important work for every country's financial supervisors and commercial bank's managers.This essay explained the concept of commercial bank's liquidity risk, analyzed the cause of commercial bank's liquidity theoretically, expatiated a serious of indexes scaling liquidity risk. Analyzed the liquidity status of CCB XIANGTAN BRANCH . Through analyzing this bang's financial ratio index and the factors which affect its liquidity, we think that the bank's present cash ratio, liquidity ratio, deposit and credit ratio, the total credit amount to total asset ratio, bad loan ratio can all meet the requirements of the concerning laws and regulations and they all going toward well directions. Besides, the market information status is well and the bank's liquidity management is generally well. However, there is some risk factors: The capital structure of 'short deposit and long credit' is serious; the quality of credit capital is difference; the middle business is not developed well and the marketable interest ratio has brought bad factors to the bank's liquidity management. Thus, the bank should do well in the liquidity planning management and the clients' loan requirement prediction; strengthen the credit management and improve the credit capital quality; adjust the capital structure, enhance the capital liquidity; develop middle business and the business out of the asset and liability sheets by financial innovation; strengthen the high level of civilization services; intensify the research towards the marketable interest ratio and prevent the liquidity risk caused by the changing of interest rate.