The Application Of Two-sided Matching Theory In The Deposit And Loan Risks Analysis Of Commercial Banks

In recent years,the short-term trend deposits and the long-term trend of loans are more obvious in commercial banks of China.The mismatch of credit term structures,deposits and loans widening and so on are easily lead to liquidity risk,interest rate risk and credit risk.Analysis of the causes of these risks and the prevention of these risks are conducive to the management and resolution of the risk of commercial bank deposits and loans mechanism to enhance the commercial banks to manage risks initiatively.This paper analyzes the current situation and causes of liquidity risk of commercial banks in China,regulatory trends in liquidity risk and other related risks by analyzing the data in current.Based on the matching theory and setting the hypothesis condition,the deferred-acceptance algorithm and the persistent improvement algorithm are applied to the commercial bank deposit-loan market respectively,and the comparative analysis and improvement are made.Then,it puts forward the idea of the deposit-loan market matching model of commercial banks in China,and establishes the basic model for the deposit-loan market of commercial banks,adjusts and improves the algorithm,and puts forward some suggestions to optimize the deposit-loan model of China 's commercial banks.By applying the matching system to China's commercial bank deposit-loan market,we can obtain stable matching results while saving the loan payment time.The concept can not only improve the efficiency of resource allocation,but also can use the credit matching system to strengthen the supervision of enterprises and banks,help the establishment of credit system.The commercial banks and enterprises in the market can achieve stable and effective matching results in the matching process.Compared with the previous match results,this system can be better and more efficient to achieve the allocation of capital resources,and effective response to the relevant risks in the deposit-loan market of commercial banks.In addition,this paper puts forward other suggestions for improvement accordingto the research on the deposit-loan market of China 's commercial banks based on the existing problems and shortcomings.It is hoped that through the analysis of this paper,it can provide some reference for China's commercial banks to formulate relevant risk strategies.