Liquidity Management Of Chinese Commercial Banks In The Internet Financial Times

Liquidity has always been known as the commercial banks "lifeline".With the vigorous development of Internet banking,the commercial banks' liquidity management ushered in new challenges.This paper analysis changes in the Internet era of financial liquidity of commercial banks and their management,from the central bank liquidity,market liquidity,funding liquidity point of view.Suggest commercial bank liquidity management measures in the Internet era financial,in the financial impact of the Internet from the base money supply,market trading mechanism,social financing,transaction costs,product design and other aspects of the liquidity situation.Internet banking influenced by the central bank to adjust money supply regulation of commercial banks liquidity,but it will bring a means of exchange convenience,reduce transaction costs,more products to meet the individual needs,choose a variety of financing channels,etc.promote market transactions can be realized,the availability of social financing,prompting commercial banks to shift from passive to active liquidity management of liquidity management.In the era of Internet banking,commercial bank liquidity and balance sheet structure there is a significant correlation.From nearly three yearsdata,the overall liquidity of commercial banks in good condition,but with the deterioration of the quality of credit assets,the potential liquidity risk can not be ignored.Internet banking deposits caused by diversion and social diversity of financing channels,increase the difficulty of commercial bank liquidity supply and demand management,while electronic means of payment and other financial entities to avoid the traditional tools,increasing the liquidity of commercial banks daily management difficulty.Based on the foregoing,the macro level,countries should refine and revise laws and regulations,improve the reserve system,the implementation of deposit insurance,regulate commercial bank information disclosure,strengthen liquidity supervision,to create a more robust financial market environment.Micro level,commercial banks should change from passive to active,to strengthen liquidity management and daily management of the business from two aspects.Business,reasonable adjustments to assets and liabilities,changes liquidity situation depends on deposit and lending situation.Daily management,should be sound management structure,reasonable prediction and monitoring,effective financial position management,conduct liquidity stress testing,setting liquidity risk early warning and contingency plans and other means to adhere to the liquidity and profitability of both,to achieve commercial bank balance liquidity and efficient management.