Research On Liquidity Risk Management Of Panshi JiYin Village Bank

Village bank is a new kind of rural small and medium-sized financial institutions in our country. Not only effectively make up for the structural defects of China’s banking industry, and in support of "agriculture, rural areas and farmers, in particular, the weak foundation of financing of small and medium-sized enterprise financing, facilitate the community residents of financial services has played a positive role in such aspects, village Banks is increasingly becoming an important part of the financial industry in our country.In recent years, with the interest rate marketization process, the deepening degree of financial disintermediation, and continuous innovation in financial markets, the liquidity risk has become the main risk to the banking sector. Panshi Ji Yin village Banks also face liquidity risk in the process of operation and management. As a new type of rural small and medium-sized financial institutions, the narrow channels of funding sources, such as customer funds dispersed flow potential systemic risk has become the Panshi Ji Yin village Banks a huge threat, at the same time, in the face of China’s economic situation of the new normal, the Panshi in the economic development of underdeveloped regions in jilin province Ji Yin village Banks, how to scientifically balanced Panshi Ji Yin village Banks’ profitability, liquidity, security, improve the liquidity risk management ability is very important.To this, this paper uses the relevant economic theory, finance theory and business management theory and method, using the empirical analysis and normative analysis method, from the following several aspects to the Panshi Ji Yin village Banks liquidity risk and management were studied.The first chapter is the introduction. In this part, is mainly about the research of village and town bank liquidity risk management of the Panshi Ji Yin background of economy, environment and so on, and discusses the research purpose, meaning and value.And the methods and contents of the thesis research was summarized, as a foundation for the further research content.The next chapter is to the Panshi Ji Yin village Banks liquidity risk management present situation and existing problems. First of all, concretely introduces the Panshi Ji Yin village Banks and of the general situation and running characteristics of the operation and management. Second, objectively elaborated Ji Yin Panshi village Banks liquidity risk management of the status quo, on the theory of village Banks liquidity risk, the internal and external two aspects from the bank carried on the thorough research. Third, from the Panshi Ji Yin village Banks lack of internal comprehensive measures for the management of risk exposure, internal capital management process supervision does not reach the designated position, lack of liquidity risk management puts forward the comprehensive talents such as Angle Panshi Ji Yin bank liquidity risk management problems that exist in the village.The third chapter is Pan Shi Ji Yin village Banks liquidity risk analysis of the causes. This chapter on the basis of management and finance theory and research methods, in the definition, types and measurement of liquidity risk indicators such as concept, on the basis of briefly, respectively from the Panshi Ji Yin village Banks liquidity risk of external cause analysis, Panshi Ji Yin village Banks internal liquidity risk types and identification, the Panshi Ji Yin village Banks liquidity risk analysis of the internal cause of three aspects, the cause of village and town bank liquidity risk problem of the Panshi Ji Yin carried on the thorough analysis, and to avoid liquidity risk and liquidity risk awareness for basic research.The last chapter is mainly about the Panshi Ji Yin village Banks liquidity risk management measures. On the basis of the study in this chapter, from the overall internal control and risk management connotation and theory, for the cause of problems, on the Panshi Ji Yin village Banks liquidity risk management puts forward some Suggestions. Respectively from the Panshi Ji Yin village Banks liquidity risk management emergency plan, establishment and the Panshi Ji Yin corresponds to the village and town bank liquidity risk management system, strengthening the management of internal control and strict responsibility flow management, improve the Panshi Ji Yin town bank risk the comprehensive quality of professional talents, improve the system of village and town bank liquidity risk supervision, etc, in order to put forward the corresponding countermeasures.