Analysis Of Commercial Banks’ Influence Factors Under The New Normal Of Economy

After the outbreak of the international financial crisis,the liquidity problem of commercial Banks in the operation and management has been praised by the attention of people from all walks of life in the world,and strengthen the commercial Banks’ liquidity management is a matter of commercial Banks to survive.With the arrival of the "new normal" of China’s economy,there are many new problems in China’s commercial Banks.Based on the existing research results,domestic and foreign scholars have discussed the liquidity problems of commercial Banks from different perspectives and reached different conclusions.Unlike previous studies in this paper,based on the perspective of China’s economy under the new normal to study the liquidity of commercial bank faces many new problems,and analysis the influence factors of commercial Banks’ liquidity under the new norm,so as to draw relevant conclusions,provide better management for the commercial bank management countermeasures and Suggestions.First of all,in this paper,theoretical part of the economic concept of the new normal made clear definition,the definition and the liquidity of commercial Banks,and then introduces the development course of commercial bank of three kinds of management theories.Based on the theoretical analysis in this paper,the economic economy in our country under the new norm of economic growth,economic structure optimization and innovation drive three characteristics how to impact on Chinese commercial liquidity.Secondly,using the econometric model to analyze the liquidity factors of commercial Banks in China under the new normal economy.This paper,the factors to influence the liquidity of commercial Banks in China traditional and economic bring new factors were analyzed,and the new normal and select the corresponding variable indicators as explanatory variables,the liquidity ratio is as explained variable,taking the 2012-2017 data,regression analysis using regression model.Finally,through theoretical analysis and empirical analysis,the following conclusions are drawn: firstly,the liquidity problem of commercial Banks is increasing gradually under the new normal.Second,it is harder for commercial Banks to maintain good liquidity;Third,the arrival of the new normal economy has exacerbated the problem of insufficient liquidity in commercial Banks.Fourth,the change of economic environment under the "new normal" is apt to cause liquidity risk.On this basis,the paper puts forward some Suggestions on the liquidity managementof commercial Banks to enhance the liquidity management of commercial Banks.