The Decision Model And Empirical Analysis Of Commercial Banks’ Liquidity

Commercial banks’ liquidity decision-making is a dynamic management of bank liquidity is a Bank on the basis of liquidity supply and demand forecasts, adjust the contrast of the assets and liabilities of the plan period, liquid assets of commercial banks the level of reserves, to avoid the liquidity risk, liquidity management process. Study of commercial bank liquidity decision model for commercial banks to change only in accordance with the relevant regulatory indicators for adjustment of the liquidity level of decision-making, fine mobility decision-making of business practice is an important guiding significance, but also can reach the goal of reducing the banking sector by short-term loans, the maturity mismatch behavior, and improve the level of profits from the optimized mobility, but also reduce the likelihood of a liquidity crisis and the impact of purpose.From the background of the presentation of a study of commercial bank liquidity decision-making significance, and combed the research literature related to the commercial banks’ liquidity decisions, to define the related concepts of mobility decision-making, and explain the impact of mobility decision-making factors. On this basis, by weighing the liquidity, profitability and security objectives, the establishment of dual mobility based on the structure of time constraints and laws and regulations, regulatory constraints constrained decision-making model, and use the lingo linear optimization software on the implementation of the mobility decision-making model an empirical study. Finally, the mobility decision-making strategy in the current conditions and changing business environment under the conditions of mobility decision-making ideas and methods to explore and predict.