The Study On The Liquidity Risk Management Strategies Of S Commercial Bank

Liquidity risk is not only related to the safety of a commercial bank, but also related to the stability of the bank system and the global economy. Liquidity risk exists anywhere in financial business, so anti-risk ability of commercial banks’should be strengthened in the current financial state, it is necessary to improve the liquidity risk’s management. Overnight interbank Shibor rose578.40points to highest13.4440%in June20th,2013; The reason of Money Shortage is that funds cannot flow. Therefore, in the current economic situation, study of commercial bank liquidity risk management status and liquidity risk management strategies contribute to improving the level of liquidity risk management of commercial banks and the status of liquidity risk, promoting the stable development of the bank.This paper summarizes the relevant research results and liquidity risk management theory,then the paper gives qualitative analysis and quantitative analysis on status of liquidity risk management in commercial banks. Conclusions:S commercial banking business overall sound. All selected indicators strictly controlled within the regulatory standard line during the entire statistical; Over the years, the liquidity risk is better, the level of liquidity risk management has improved steadily, liquidity risks have been more effective control. But the better situation does not mean that S commercial banks have no liquidity crisis any more. Fundamentally speaking, liquidity risk and banks coexist, liquidity risk management still can be improved to a new better level.This paper is organized as follows chapters:paper is divided into seven chapters. First chapter introduces the research background and significance of the study, and briefly describes the research of other scholars about the liquidity risk. The second chapter describes the basic theory of liquidity risk management. The third chapter analyzes S commercial banks’liquidity risk management in current financial situation. The fourth chapter gives a summary on liquidity risk management by drawing on the experience of domestic and foreign major commercial bank. The fifth chapter analyzes the causes of S Commercial bank liquidity risk and it’s influencing factors. The sixth chapter presents several countermeasures for S commercial banks’ liquidity risk management. The seventh chapter gives conclusions and outlook.