Research On Liquidity Risk Management Of Small And Medium-sized Rural Commercial Banks

With the deepening of financial reform and the deepening of opening up,the domestic financial environment and financial system are slowly aligning with foreign markets.This is often an increase in the possibility of breaking the “big but not down”.The bankruptcy of commercial banks that have occurred abroad abroad due to liquidity risk may also occur in China.This warns us of the urgent need to improve the level of liquidity risk management.In recent years,Chinese banks have experienced the “big money shortage” in 2013.The lending rate was as high as 30%.The liquidity risk brought by financial deleveraging since 2017 is still in the background of tight liquidity.Small and medium-sized banks may default at any time,causing financial systemic risks.Liquidity risk management is becoming increasingly important.This paper firstly reviews the status quo of relevant literature research at home and abroad,and makes a brief review,and analyzes the current research status of academia.Secondly,on the basis of sufficient research,the current situation of small and medium-sized rural commercial banks is analyzed,and a descriptive analysis is carried out based on the financial data of JH Rural Commercial Bank.Based on this,the current small and medium rural commercial banks are analyzed for liquidity risk.Some problems in management.Then,according to the actual situation of JH Rural Commercial Bank,the bank conducted a liquidity stress test.The risk factors were the increase of non-performing loan ratio,the increase of short-term financing cost,the increase of statutory deposit reserve and the loss of deposit.The empirical results show that the test results are most affected by the loss of deposits,and when the impact appears to be 3 months,there is a certain pressure on bank liquidity.Even under severe pressure,the financing reserve ratio is negative.In response to these stress test results,this paper puts forward some innovative countermeasures in the end of the article combined with the actual situation of the bank,such as using the existing platform to complement each other and establishing a comprehensive monitoring and management system that matches the liquidity risk,so as to better Improve the bank's liquidity management issues.