The Research On The Administrative Management And Control Of Liquidity Risk Of Commercial Banks

This year, the overall impact of the macroeconomic downturn, the real economy, especially SMEs have been more serious impact of further deterioration of the financial situation, business difficult situation many companies occur. At the same time, due to increased Internet financial shocking, the rapid development of third-party payment channels, traditional banks due to the settlement and settlement efficiency issues being challenged in emerging industries, the growth rate of commercial banks declined, the rate of non-performing credit assets continued to rise, commercial bank credit will weaken the economy to support efforts to reduce the passive, high long term in some areas the proportion of loans, equity investments for the real economy due to uncertainties hematopoietic function also faced with severe challenges in all aspects of the mass market and economic expectations negative capital market activity was significantly weakened, external market interest rates change frequently caused by unstable capital flows to multiple factors, increased liquidity risk factors predisposing banking, individual institutions deposits negative growth, which triggered liquidity risk situation is becoming increasingly complex, difficult to manage stress and prevention for further increases. Thus, some commercial banks in the management process, generally tend to stabilize its way through other banks yield to gradually reduce the allocation of credit assets, the industry continued expansion of business scale, the interbank market lending rates and therefore stability deteriorates, changes frequent and relatively large fluctuations, the cost of interbank funding uncertainty increased significantly, operating more difficult, because mutual funds are circulating transfer between commercial banks, whereby the liquidity risk management of the new requirements.Taking Jiangsu Province, rural commercial banking system in the actual practice of the management process, for example, the administration and the commercial banks as market players are compared, focusing on liquidity risk management set forth in crisis response, the main need to market mechanisms resolve administrative measures in spite of the influence of public opinion and policy-oriented role, but in practice to deal with liquidity risk process there are still many limitations, there may even be the management failures of the situation, the administration should gradually relax on commercial banks quantization control give full play to the role of the spontaneous market, commercial banks according to their actual strengthen liquidity risk management, to establish their own systems for its own business development and risk management, stress testing methods and the establishment of risk and emergency response mechanisms to adapt itself.