Research On Liquidity Risk Management Of HENGFENG Xi’an Bank

As the most important participant in China’s financial system,commercial banks are faced with the grim situation of interest rate marketization,deposit “Waterloo” and stricter supervision.Commercial banks must seize the opportunity of change in the new economic era and put control and control of financial risks.In the primary position,the market environment in which China’s commercial banks operate and manage has always been very stable.They are more inclined to pay attention to credit risk and operational risk,and their attention to liquidity risk is obviously insufficient.While interest rate liberalization and financial reforms continue to deepen,indicators such as interest rates and exchange rates are undergoing dynamic changes.This series of changes will cause banks to generate liquidity risks.Therefore,strengthening liquidity risk management and maintaining reasonable liquidity have become important and urgent issues that commercial banks must face.These paper is based on HENGFENG Bank Xi’an Branch,through literature research,case study method,combining the theoretical analysis and empirical analysis methods,such as first,starting from the definition of liquidity,liquidity risk,a comprehensive analysis of the influence of commercial Banks liquidity risk factors,and studied the theories of liquidity risk management.Secondly,through the analysis of liquidity risk indicators of HENGFENG Bank Xi’an Branch,it is found that the overall situation of liquidity risk management of HENGFENG Bank Xi’an Branch is good,but there are still many areas for improvement.At the same time,investigation and research show that the bank has weak liquidity risk management awareness,imperfect liquidity internal control system management,insufficient liquidity risk early warning and monitoring means,increasingly strict liquidity risk management assessment,and strict supervision and delegating,which result in the impact of inter-bank business.Aiming at the problems existing in the liquidity management of Xi’an Branch of HF Bank,this paper puts forward an improved liquidity management design scheme of Xi’an Branch of HF Bank from three dimensions: liquidity risk management objectives and principles,liquidity risk identification and warning,and liquidity management methods.Finally,on the basis of analysis of the results of the study,according to current situation of liquidity risk management of the bank of HENGFENG Bank Xi’an Branch,according to the bank of HENGFENG Bank Xi’an Branch "grasp its main business,the structure,quality,short,strong internal strength" of the overall work,in order to further accelerate the business transformation,strengthen compliance management in accordance with the law,guard against all kinds of financial risks and ensure the stable development business,from the HENGFENG Bank Xi’an Branch of liquidity risk management improvement measures are put forward.