Research On Optimizing Liquidity Risk Management Of Zhejiang Tailong Commercial Bank

Liquidity risk is one of the most important risks faced by commercial banks.The level of liquidity management is directly related to the continued healthy development of commercial banks,liquidity shortage will lead to commercial banks operating crisis,but the long-term excess liquidity will affect the profitability of commercial banks.How to reasonably determine the liquidity of commercial banks and maximize the benefits while controlling risks is always the focus and difficulty in the field of commercial banks' risk management research.Based on the combination of normative analysis and empirical analysis,this paper first introduces the concept of liquidity risk and the classical theory of liquidity risk management.At the same time,it also analyzes the literature about liquidity risk in domestic and international academic circles.This is the theoretical foundation of this paper.In the empirical analysis,by comparing the static and dynamic indexes of Tailong Bank's liquidity risk with the domestic peers to measure the potential liquidity risk,and using the clustering analysis method,the main liquidity index data of Tailong bank are compared with other domestic sample bank data to further verify the bank's liquidity position.Then,the paper expounds the existing liquidity risk management system of Tailong Bank,including liquidity risk management awareness,liquidity risk management organization structure,liquidity risk management strategy,policy and procedure,liquidity risk identification,measurement,detection and control technology,liquidity management information system.At last,the author puts forward some suggestions on optimizing the liquidity risk management of Tailong bank,including optimizing the organizational structure of liquidity risk management of Tailong bank,perfecting liquidity risk index system,strengthening asset liability management and perfecting early warning system of liquidity risk.