Research On The Problem Of The Supervision Of The Commercial Bank's Liquidity In China

In 2007,the global economic crisis broke out.Many of the systemically important banks which with capital adequacy ratio in line with the regulatory standards is facing the collapse.Thus the international banking system has been concussed.The essence of the economic crisis is the pressure of liquidity shortages.Because of the requirement of increasing credit limit,the risk comes from the mismatch of the contract maturity.Accordingly,capital regulation as the core of the risk of regulatory began to be questioned.In order to avoid the recurrence of the same type of economic crisis,global regulatory authorities raise the importance degree of liquidity risk supervision.The theoretical circles at home and abroad have made a systematic study on the following important content,including causes of liquidity risk,the development and changes of liquidity risk,the relationship between liquidity risk and economic environmental and policy,the influencing factors,the applicability of the new liquidity risk regulatory content of the Basel ?.As the same time,Basel ? added liquidity risk measurement,standards and the international framework,to enhance the liquidity risk supervision as an important position as capital regulation,constructing a more comprehensive and robust risk supervision framework,the theoretical standards and basis are put forward for the unified supervision of the international banking industry.In this paper,under the background of the development of the financial industry,the development of liquidity risk supervision in our country as the main research content.The main research objects include 13 major listed commercial banks in China.Conducting an comprehensive exposition from several aspects,including the development stage of China's liquidity regulation,the level of development,the conclusions of the theoretical study.In order to explain the present situation of liquidity risk supervision of China,dealing with the liquidity risk regulatory data,and doing comparative analysis of Chinese regulatory requirement and the requirements of the Basel ?.Through the theoretical discussion and comparative analysis of the above aspects,we could find out several problems in the supervision of liquidity risk of commercial banks in China,comprising the dependence and inefficiency of liquidity risk management structure,liquidity risk regulatory strategy is relatively simple scattered,liquidity risk identification and measurement methods need to be improved,the regulatory index system needs to be strengthened,and the table outside the subject does not list management brings hidden dangers,information management system development and so on.To explore the existing problems is to provide the direction of improvement of Chinese financial regulators.Financial regulators will strengthen the coordination of liquidity risk supervision,to establish effective and uniform standards for the supervision of liquidity risk,commercial banks facilitate to adjust liquidity risk management structure,internal regulatory strategy,to quantify the liquidity risk.Otherwise,we could also draw lessons from advanced experience of international liquidity risk supervision.