Commercial Bank Liquidity Risk Management

Liquidity risk management plays an important role in the management of commercial banks. The particularity of the domestic financial markets and banking business environment, liquidity risk management tools to meet the objective needs of safety, liquidity and profitability continued to show lack of protection against potential liquidity risk, improve liquidity pressure on the impact of capacity to respond is still the top priority of the work of the commercial bank management.China’s commercial banks operating management process, lack of rigid constraints on liquidity risk and liquidity risk management compare with the sex, but the development of financial markets makes the interest rate market of the trend continue significantly with bank deposit loan business for the change-sensitiveincreases, which means that commercial banks are facing liquidity risk also increases. It is because of this, China’s commercial banks’ liquidity risk has been studied.Based on the above background, using a systematic approach to case analysis, documentary research, empirical research methods, standardize research methods and other methods, described the liquidity risk management theory on the basis of China’s commercial banks’ liquidity risk management status and the formation of the reasons for the reality of problems, the macro and micro aspects of rationalization proposals, in order to play a role in the guidance of China’s commercial banks’ liquidity risk management practices.To enhance the practical value in the A branch of a commercial bank liquidity management of the status quo on the basis of targeted improvement measures are proposed, including strengthening the integrated management of the assets and liabilities, strengthen credit risk management, internal funds transfer pricing modeland organizational forms, the introduction of the liquidity stress testing, establish. and improve the liquidity risk of an early warning mechanism to build a comprehensive risk management framework. I hope through the application of these policies, A branch control pressure to deal with the liquidity, improve liquidity risk management effectiveness and play a catalytic role in achieving the coordinated development of the bank liquidity and profitability.