The Research On Liquidity Risk Management Of Rural Banks Under The Background Of Interest Rate Liberalization

In recent years,with the rapid development of China's social economy and the continuous improvement of people's living standards,our country pays more and more attention to the development of rural economy and begins to invest a lot of support,which spares no effort to build a new socialist countryside.CBRC actively innovates,develops the new rural finance,reduces the rural finance admittance threshold.In this foundation,the rural bank is accompanying.Rural Banks have achieved good results in the process of the development,and are well received by the majority of farmers and small and medium-sized rural enterprises,to a large extent to solve the problem of financing in rural areas.Rural Banks also face various financial risks of banking financial institutions facing.Rural Banks are at a disadvantage in deposit competition and have a high loan-to-deposit ratio.In order to develop deposits and scale rapidly,Rural Banks have to develop institutional customers first,then retail customers.Therefore,for Rural Banks with a high deposit concentration and a high loan-to-deposit ratio,the temporary large withdrawal of institutional customers may cause liquidity strain and increase the difficulty of liquidity management.Among all kinds of financial risks in the development process of Banks,liquidity risk has a greater and far-reaching impact,which is crucial for the future development of rural Banks.Firstly,this paper expounds the research significance and background of liquidity risk management,and summarizes the relevant research at home and abroad.This paper also expounds the research methods,contents,charities shortcomings and innovations of the research.Then it analyzes the influence of bank liquidity risk on interest rate liberalization from three aspects: the liability of interest rate liberalization to commercial banks,assets,and the impact of external financial environment.And then,analyzes the current situation of liquidity risk of rural banks and the existing problems in their management.Liquidity pressure is introduced as a test to empirically test the degree of influence of various risk factors on the liquidity risk of rural banks.On the basis of current situation analysis,YF rural bank is selected as a research object.It can be seen from the stress test that although there will be no liquidity crisis in China's rural banks as a whole.They still need to strengthen the management of liquidity risk under pressure and focus on preventing liquidity risk under severe pressure.Combining with the analysis results obtaining from the stress test,this paper summarizes the countermeasures and suggestions for optimizing liquidity riskmanagement of rural banks under the background of interest rate liberalization.The main purpose is to reasonably allocate the flow of funds and the proportion of assets and liabilities,and conduct all-round dynamic management and control of liquidity in advance,during and after the event,so as to effectively calculate and identify liquidity risks.Strengthen the responsibilities of the board of directors,board of supervisors and senior management,clarify the specific content of liquidity risk management,and strengthen the construction of liquidity risk management system;Conduct dynamic stress tests to analyze the ability to withstand stress events,plan and prevent future liquidity crises,and make emergency plans;Break through the limitation of liability liquidity management strategy,and actively develop asset liquidity management strategy,balanced liquidity management strategy and off-balance sheet management strategy.