Study On The Liquidity Risk Management Of The B Countryside Commercial Bank

From the subprime mortgage crisis in 2008 to the spread of global financial risks and the repeated money shortages,financial institutions have paid more attention to liquidity risks.Domestic and foreign research on strengthening liquidity risk management tends to be systematic and in-depth,but most of the research focuses on the macro level.The main research objects are global financial institutions or large state-owned commercial banks,and the flow of emerging rural financial organizations such as rural commercial banks.There are few studies on sexual risk management.As a local corporate financial institution,the rural commercial bank has a small entity and weak financial strength.Especially in the period of macroeconomic downturn,its financing ability and profitability are in a weak position,which leads to greater liquidity risk.The risks,the destructive power to the local economy,and the spread are very serious.Therefore,it is very necessary to analyze the current situation of liquidity risk management and the influencing factors of liquidity risk in rural financial institutions,and to find out the Countermeasures of liquidity risk management which is suitable to the actual situation.So that to improve the management level of liquidity risk,improve the current situation of liquidity risk and keep stable development.Based on the study and summary of domestic and foreign liquidity risk management theory and management experience,this paper analyzes the current situation of liquidity risk management of B rural commercial bank.The weak links of B agricultural business liquidity risk management,including the lack of systematic liquidity risk management system construction,the inadequate daily monitoring and management of liquidity risk,the low level of asset and liability management capability,the liquidity risk management information system has not been established,and the liquidity The risk pressure is not comprehensive enough for the test considerations.Based on the analysis of the causes of liquidity risk management problems,and drawing on the experience of domestic and foreign commercial banks' liquidity risk management,this paper puts forward some countermeasures and suggestions to improve the liquidity risk management level.including building a sound liquidity risk management framework and construction.A comprehensive and comprehensive liquidity risk monitoring system,improving the asset-liability management capability level,building a precise and efficient liquidity risk monitoring information system,improving liquidity risk early warning and emergency event handling capabilities,and building a high-quality liquidity risk management talent team,etc.It will provide some help for improving the liquidity risk management level of B-agricultural firms,and provide some reference for the liquidity risk management of the financial institutions in the province that will be restructured into a rural commercial bank.