The Liquidity Risk Management Research Of Tianjin Bohai Bank

With the economic globalization, the domestic financial markets and foreign financialmarkets is inevitable trend. For now, China’s banking liquidity risk is not highlight one ofthe important reasons is the most powerful country credit support, but as the globaleconomic integration, the phasing out of state credit, we should pay more attention to theepidemic of risk management of commercial Banks. At the same time, in recent years, therapid development of the commercial bank of China, the competition between Banks,Banks no longer meet the traditional deposit and lending business, all kinds of financialtool innovation, rich and colorful develop intermediary business, in order to the stability ofthe commercial bank management, liquidity risk management is particularly important.Liquidity refers to assets which can be realized at a reasonable price smoothly, it is a kindof investment by the time scales (sell it how long the time needed for) and price scale(compared with the fair market price discount). While commercial Banks liquidity riskrefers to the commercial Banks can’t provide enough money to cope with the increasedemand, assets or to perform the related maturing debt risk. With the continuousdevelopment of economy, the financial market is more and more prosperity, financial toolinnovation, starting in the1980s, foreign scholars gradually pay attention to the liquidityrisk of commercial Banks, and successively put forward a variety of related theory. At thesame time, in recent years, the rapid development of the commercial bank of China, thecompetition between Banks, Banks will no longer be satisfied.In this paper through theintroduction of liquidity, liquidity risk and liquidity of the wind.Summarizes thecharacteristics of the liquidity risk and liquidity risk management of related theory, analysisof the necessity of commercial bank liquidity management. At the same time, using theinternational unified and suitable for our country banking regulatory commission (CBRC)regulation measures, with the examples of Tianjin Bohai bank is analyzed. Through theanalysis of the data, the general situation of the present situation of liquidity and liquidityrisk management of Bohai bank. Combined with the actual situation of Bohai bank,according to analysis of the related problem, respectively in the former,three aspects for thelater several suggestions to strengthen the management of liquidity risk.