An Empirical Study On The Liquidity Risk Of China's Commercial Banks From The Operational Point Of View

In the early twenty-first Century,the subprime mortgage crisis broke out in the United States,many commercial banks in the United States are facing a serious shortage of liquidity problems,some commercial banks in the crisis have been closed down.With the rapid spread of the subprime mortgage crisis,commercial banks around the world are faced with the enormous challenge of liquidity risk,and finally become a global financial crisis.In China,the liquidity risk management of commercial banks has become an important and important work of the relevant regulatory authorities.Because of the domestic commercial banks and foreign commercial banks there is a huge difference in the nature of so many,in our country can not only rely solely on foreign management for liquidity risk management research,the characteristics of commercial banks should be based on China in-depth quantitative research.So the need for liquidity risk of commercial banks in China and the causes,evaluation management to make accurate understanding,and find the key factors to control and prevent the liquidity risk,reduce the probability of occurrence of the liquidity risk of commercial banks.With the continuous development of the financial industry,the internationalization of China's commercial banks is also increasing.Therefore,the international economic and financial situation on the impact of China's commercial banks is also growing.In recent years,domestic commercial banks lending to each other and repurchase financing has become a way for domestic commercial banks to control liquidity risk,resulting in financial market financing and lending frequency rising,the liquidity risk of commercial banks more serious situation.Therefore,the liquidity risk should be listed as the number one task in the management of commercial banks in china.For the control of liquidity risk not only the responsibility of the CBRC,banks should also strengthen the organization construction and liquidity risk management,stress testing became the main means to control bank for bank liquidity risk.However,due to the lack of technical level and practical experience,the accuracy and validity of the test results are still relatively low.Therefore,in this case,it should be based on the theoretical basis for China's commercial banks to explore more effective methods of pressure testing is very necessary.This article through to the Sichuan commercial bank liquidity risk managementempirical analysis,has strong application in the commercial bank value and the theory value,but also provides a very good demonstration for liquidity risk management,effectively through the analysis of a large amount of data,the current situation of China's commercial bank liquidity risk management the results of this liquidity risk management measures are effective and prevention programs.