Research On Liquidity Risk Management Of Commercial Banks In China

In recent years,with the lack of saving capacity, the impact of the Internet financing, the outflow of domestic capital,Chinese Banking Industry inevitably struggled with unprecedented challenges and competitions, many banks struggled to maintain adequate liquidity. A basic fact is that liquidity risk is one of the main risks faced by commercial banks; liquidity management is one of the most basic yet important activities in commercial banks. Therefore, carrying out systematic and in-depth research on liquidity risk of commercial banks no doubt has both theoretical and practical significance.Overall, the framework of this article mainly consists of the following parts:Chapter 1:Preface. Mainly elaborates the meaning of this topic, research results of scholars both at home and abroad, and the paper’s research framework.Chapter 2:Overview the Liquidity Risk Management of Commercial Banks.Describes the definition and characteristics of liquidity risk,then through the analysis of liquidity supply and demand, we analyze the endogenous causes of liquidity risk, combining with the analysis of the causes, we identify the influencing factors of liquidity risk of commercial banks.At the same time,this part discusses liquidity risk measurement methods and by comparing the Basel committee on banking liquidity regulatory standards and the domestic regulation situation, reflects the importance of liquidity risk management.Chapter 3:This part mainly introduces the present situation and causes liquidity risk of Chinese commercial bank, by analyzing the current situation of social mobility in China and the current situation of Chinese commercial bank liquidity risk, and analyzes the deep source of liquidity risk.Chapter 4:This part adopts the method of index analysis, combining of A commercial bank report data and stress-testing, further analyzes the problems existing in Chinese commercial bank liquidity risk management.Chapter 5:The Thinking of Liquidity Risk Management of Domestic Banks. According to the analysis before, and refer to the new characteristics of liquidity risk, this part give some feasible countermeasures to domestic banks.