Study On The Relationship Of Deposit-loan Ratio Of The China Everbright Bank Zhengzhou Branch

In order to accomplish the consistency of safety, liquidity and profitability, modern commercial banks often have the mission of keeping the adequate liquidity of capital. Once the level of liquidity of the commercial banks is unreasonable, the banks will force to adjust the control at the cost of sacrificing the profits, if the bankers can not deal with this probably, Bank Runs will begin.There are many indexes in the Liquidity Management, in which the Loan-to-deposit Ratio of the modern banks is an important one. Generally speaking, the higher the ratio is, the poorer the liquidity will be. Since 2010, more and more people focus on the high Loan-to-deposit Ratio of our country banks, and the high ratio hinders the healthy development of the banks. In this dissertation, the situation of the Loan-to-deposit Ratio of the Chinese financial institutions was discussed in detail. On one side, this dissertation elaborates the reason of the high Loan-to-deposit Ratio of the small commercial banks according to our national conditions. On the other side, taking the China Everbright Bank of Zhengzhou as an example, based on the five years'data of deposits and loans of the China Everbright Bank of the headquarters and Zhengzhou, this dissertation analyses the Loan-to-deposit Ratio and the structure of the deposits and loans, and provides the path to control the scale of credit loan so as to improve the ability of getting the profits in this process.