Study On The Causes And Countermeasures Of Liquidity Risk Of Commercial Banks

In recent years, China’s rapid economic development and promote the capital market further active, promoting residents’ asset selection behavior and investment preferences change, coupled with the joint-stock commercial banks in one-sided pursuit of size and interest to expand the related factors of existence, great changes have taken place in China’s joint-stock commercial bank assets and debt maturity structure, joint-stock commercial banks in the capital and long-term lending term, due to not be able to raise enough cash flow matching risk. At present, due to China’s financial market is not perfect, the joint-stock commercial banks to obtain liquidity channel is narrow, and lack of risk evacuation of two class market, leading to the joint-stock commercial banks in the case of a lack of liquidity, only through the issuance of financial products, to the inter-bank borrowing to maturity mismatch risk being passed on, so the formation of the so-called "shadow banking", but fundamentally speaking, the shadow banking is the unlimited expansion of the impact of credit by the bank statement moved to the table, not only to control the joint-stock commercial banks maturity mismatch risk purposes, but also as the shadow the Bank continues to expand the scale, can also cause more serious maturity mismatch risk. Our country with phenomenon of joint-stock commercial banks for dislocation generation and expanding, the joint-stock commercial banks in China, the financial market and even the whole market economy impact, therefore also caused our various aspects of attention, many researchers are actively exploring the joint-stock commercial bank risk management maturity mismatch, but are not really find effective ways to solve the risk distribution of joint-stock commercial banks term of our country, this article from the current situation of China’s joint-stock commercial banks of the maturity mismatch theory, combined with the theory of joint-stock commercial banks of the maturity mismatch, the causes’of China’s joint-stock commercial banks of the maturity mismatch to explain profound theories in simple language analysis from the financial market of our country, the savings deposit, bank loans and the shadow banking and so on, at the same time related data in support of the joint-stock commercial banks, the maturity mismatch risk on the empirical research, and puts forward the countermeasures and suggestions of joint-stock commercial banks maturity mismatch risk, hope to some extent to China’s joint-stock commercial bank banks to ease the current situation of the maturity mismatch, the maturity mismatch risk prevention and control, promote our country The stability of the financial market, the healthy development of the related theoretical guidance.