Research On The Prevention Of Liquidity Risk Of Village Banks In Chongqing

Finance is the key to economic development,and economic development in rural areas is inseparable from financial services.Due to the different geographical environment and social background,the development of China's financial market is seriously uneven.Therefore,there are obvious differences in the construction and development of village banks.In order to enable China's rural economy to have a good financial environment,the China Banking Regulatory Commission has introduced a A series of policy guidelines to develop rural banks.All regions have lowered the threshold for the establishment of village and township banks,and increased the policy support of village and township banks.Since the pilot stage,village and township banks have developed rapidly and quickly occupied a place in rural areas.Now,village and township banks have become an important part of local banks.Different from other financial institutions,village and town banks have adopted a modern enterprise management model,which is positioned to serve the economic development of the "three rural" industries.The establishment,improvement and development of village banks have brought new opportunities for the development of local banks.Therefore,this paper takes Chongqing Village Bank as the research object,analyzes its liquidity risk prevention and control,which has important practical significance.On the basis of the research,it is compared with the liquidity risk of commercial banks.The literature analysis method is used in the study.On the basis of elaborating the research status of liquidity risk prevention of commercial banks,the research objectives,the paper framework and research methods of this paper are determined,and the theoretical basis of liquidity risk prevention of commercial banks is analyzed.Define the concept of liquidity risk and prevention,connotation,analyze the causes of liquidity risk from three aspects of endogenousness,information asymmetry,and exogenousness,base on the basic characteristics of liquidity risk of Chinese commercial banks and carry out the characteristics of liquidity risk of Chinese and foreign commercial banks Compare and introduce the liquidity risk prevention experience of developed countries and China's advanced commercial banks.Use case analysis to introduce the current status of liquidity risk prevention in Chongqing ‘s village and town banks from the perspectives of external supervision and self-prevention;village banks use the national risk supervision and management system as an important reference for risk prevention and control.In terms of control,interest rate risk,commercial risk,credit risk,and investment risk are important risk identification and control content,and lack of identification and control of liquidity risk of commercial banks.Combined with the collected data,it analyzes its comprehensive indicators,including asset liquidity analysis,debt and owner's equity analysis,etc.,and describes the characteristics of bank liquidity risk.Reveal the problems in the liquidity risk prevention and control of Chongqing ‘s village and town banks;further analyze the cause of the problem.Few managers within commercial banks have realized the importance of liquidity risk prevention and control,and risk control agencies in terms of risk prevention and control Unclear functions and over-reliance on borrowing from the same industry often occur.The risk prevention and control strategy and response did not formulate prevention and control strategies and recommendations for different types of risks.Instead,they used traditional internal control systems and management methods to avoid risks,and lacked innovative risk prevention and control strategies and recommendations.The research also used the data model to stress test the liquidity risk of Chongqing ‘s village and town banks,and proposed countermeasures to strengthen the prevention and control of the liquidity risk of Chongqing ‘s village and town banks.Discuss how to prevent and control the liquidity risk of village and town banks,and provide fully beneficial help for the development of the "three rural" economy.