Liquidity Risk Management Of Commercial Bank

With the further development of China’s economic reform and opening upconstantly, banks,especially the commercial banks,occupy a key Role in china theworld’s second largest economy.Once commercial banks had a problem,the risk willquickly spread to other aspects of the economic field.Therefore we must keep alert onrisks faced by commercial banks.In the risks commercial banks are facing theliquidity risk is the most destructive and infectious, So it is the The first priorityneed to against.The global financial crisis in2008shows the lethality of liquidity riskand it is most important that maintain commercial bank systemically enoughliquidity.After the crisis the Basel Committee immediately launched a new round offinancial regulatory reform initiatives.The new Basel agreement will be thesupervision of liquidity risks of commercial banks mentioned hitherto unknownheight, actively promote the implementation of relevant institutions more liquidity ofstrict supervision and more fine.In recent years, China’s commercial banks liquidity risk events have occurred in2013June, the inter-bank lending rate soared is one prominent.Looking to the futuredevelopment of China’s economy can be expected:The economy will enter into a slowgrowth stage for the demand is insufficient in long term;The market-oriented reformof RMB interest rate will further promote;The competition current commercial bankare faced from private capital will continue to increase;The openness of China willcontinue to expand, commercial banks affected by the foreign banks will furtherincrease. For the above factors, the author thinks that although the system ofcommercial banks in China is still not face a liquidity risk,but we Still should furtherstrengthen the liquidity risk management system of commercial banks inChina.Coincides with the "measures of liquidity risk management of commercialbanks (for Trial Implementation)" in2013to get through, and come into force onMarch1,2014.Therefore the author in writing this paper is to research the liquidityrisk management approach to the introduction of new problems, so as to be able to properly examine the liquidity risk of commercial banking system in China at presentand hope to put forward reasonable suggestions to prevent the liquidity risk ofcommercial banks in China...