The Research On Liquidity Risk Management Of HRXJ Bank

In recent decades,because of suddenly disconnection of the internal capital chain,or large demand of the cash and shortage of the external funds,the global financial crisis has occurred frequently,especially in commercial banks.So commercial banks not only enjoy the high profits which was brought by the funds,but also must pay attention to the liquidity of the banks in their daily operation.In addition,the research on liquidity risk management of commercial banks in China started relatively late.Both of the liquidity risk management awareness and the management system are needed to enhance.Therefore,the commercial banks' liquidity crisis in China cannot be underestimated.There is no doubt that China's commercial banks should work hard to improve their own liquidity risk management,which should based on their own characteristics and development needsThis paper finds the current situation of liquidity risk management of HRXJ banks,by combing the research situation of domestic and foreign scholars,studying the related theories of liquidity risk and liquidity risk management,combined the report data of HRXJ Bank and other city business banks and analyzed their static indicators,the result as follows:by now,HRXJ banks' liquidity level remains stable,and its liquidity risk management is on high level;the indicators such as deposit-to-deposit ratio and non-performing loan ratio have continued to increase,which shows a lot of changes have taken place on HRXJ Bank liquidity risk.Therefore,the liquidity risk still hide in the HRXJ bank in the long run,and its liquidity risk management needs to be further strengthened.Then,the paper finds out the main problems of liquidity risk in HRXJ bank:the lack of diversification of asset structure and debt structure and the mismatch of deposits and loans in structure and term may hide liquidity risk.Finally,the reasons are analyzed from the external environment and the bank itself.The reasons of external environment is the increased competition in the financial market,the market interest rate's declining,and the not-perfect of financial legal system framework;the bank itself has its own reasons:the development of self-constrained,weak sense of risk for employees,and lack of talented person in bank liquidity risk management.This paper puts forward some suggestions on the HRXJ bank liquidity risk management to solve the problems of liquidity risk:optimizing the asset and liability structure;strengthening loan management to reduce the non-performing loan ratio;establishing early warning systems;founding stress-test model;enhancing the awareness of liquidity risk management.The goal is to improve HRXJ bank liquidity risk management.