Research On The Influence Of Interbank Business On Liquidity In Commercial Bank

The interbank business of commercial banks has been accelerating in recent years.As we all know,the interbank business has been an important way for banks to evade by the CBRC and to obtain revenue.It is also a strong support for the expansion of bank expansion.However,the inter-bank business has a certain negative effect while bringing huge profits to the bank.The existing asset structure and liability structure of the bank are affected by it,and the maturity mismatch is intensified,which increases the liquidity risk of the bank.In the paper,the author not only introduces the current development of inter-bank business,but also analyzes the impact of interbank business on the liquidity risk of commercial banks from both theoretical and empirical aspects.At the same time,according to the development status of commercial banks in China,the feasible suggestions are put forward.The main conclusions of this paper in the research process are as follows: 1.Inter-bank business has affected the liquidity risk of commercial banks in many aspects.The author has organized and analyzed the impacts from the positive and negative aspects in the paper.There are three positive impacts: First,when the liquidity is short of liquidity in the short-term,the bank can be relieved through inter-bank business,which can reduce liquidity risk to a certain extent.Second,in the inter-bank business,the lender has the obligation to supervise the borrower and can limit the borrower.The borrowing behavior,thereby reducing liquidity risk;Third,inter-bank business can bring considerable profits to commercial banks,but also mitigate their liquidity risks.Therefore,inter-bank business has a certain positive impact on reducing the liquidity risk of commercial banks.The reverse impact has the following five points: First,inter-bank business is characterized by its own business characteristics,and the maturity mismatch is more serious,thus enhancing the liquidity risk of commercial banks.Second,inter-bank business is completed by mutual cooperation between financial institutions,so once Liquidity risk is easy to spread to each other;Third,interbank banks have a certain degree of homogeneity due to their business,so the probability of liquidity risk is high;Fourth,inter-bank business is an important channel for commercial banks to invest in high-risk industries.The liquidity risk has increased greatly.Fifth,there are many business entities in the same industry,and the difficulty of banks in liquidity management has greatly increased.Therefore,the development of inter-bank business also has a certain reverse effect on the liquidity risk management of commercial banks.2.In the article,the author selected relevant data of 16 listed banks in China in the eight years since 2010,and Seven liquidity indicators were selected and the principal evaluation analysis method was used to construct the comprehensive evaluation scores of the liquidity risks of the above 16 listed commercial banks.As a explained variable,a new panel data model was constructed.The relationship between the people was tested empirically.The research results show that the relationship between level is “inverted U-shaped”.When the inter-bank business is controlled within the threshold,it can reduce the pressure of liquidity for commercial banks;but if the inter-bank business continues to expand,it will exceed The threshold will affect the liquidity of commercial banks.At the same time,it can be seen from the research results that the asset size and return on assets of commercial banks are negatively correlated with liquidity,while capital adequacy ratio,GDP growth rate and broad money growth rate are positively correlated with liquidity..3.In this paper,the author analyzes the current business status of commercial banks and puts forward some targeted suggestions.First,commercial banks should establish a sound inter-bank business risk management system to standardize their inter-bank business.Second,commercial banks should strengthen supervision and control over liquidity risks.Third,promote effective reform of the corresponding financial supporting system.optimization.