Research On Liquidity Risk Management Of Anhui Tianchang Rural Commercial Bank

Liquidity risk,the main risk existing in the development of commercial banks,is the hot spot and focus in commercial banks' operation and management.As interest rate goes market-oriented and financial innovation keeps deepening,the pressure,difficulty and requirement for commercial banks to prevent and control liquidity risk are rapidly increasing due to overlapping factors like increasing downward pressure of macro-economy,fission decline in the quality of credit assets,accelerated change in financial disintermediation and slowing down of M2 growth.Therefore,it is urgent for commercial banks to improve their ability in preventing and controlling liquidity risk.Based on what talked above,through the study of the liquidity risk management of Anhui Tianchang Rural Commercial Bank,this paper hopes to promote its ability in preventing and controlling liquidity risk,and perfect the management system and mechanism of liquidity risk,and ensure its better and more sustainable development.Nowadays,in the domestic and overseas academic communities' analysis of the liquidity risk management of the commercial bank,there is not only the analysis for the single commercial bank,but also for the whole banking system.Among them,many studies are innovative and practical,which have good theoretical instruction value for promoting and improving the level of liquidity risk management of commercial banks.However,the current perspectives of the most researches of liquidity risk management mainly focus on listed commercial banks,which may mostly be relevant to the great market influence and the information disclosure regulations of the listed commercial banks.However,this has also led to the situation that the special studies on liquidity risk management of county-level legal person rural commercial banks are relatively few,which are also not so deeply studied.Therefore there are some blind spots and blanks of the researches,which need to be completed urgently.According to the research requirement,this paper chooses Anhui Tianchang Rural Commercial Bank as the research target,and comprehensively uses many research methods,such as literature research,investigation and analysis,comparison and analysis,demonstration analysis,etc,to carry out the research on its liquidity risk management situation.The main research contents include: Firstly,the elaboration and analysis of liquidity riskmanagement theory of commercial banks,and the view of the research progress of liquidity risk management in academic communities at domestic and overseas,which is the theoretical basis of the research of this paper.Thereafter,combined with liquidity risk management theory and survey information,the key analysis and research of liquidity risk management of Anhui Tianchang Rural Commercial Bank is carried out from qualitative and quantitative aspects,and the related problems and causes are further examined and analyzed by then;What's more,this paper sorts and analyses the practical experience,disposal experience and related enlightenment of liquidity risk management of domestic small regional commercial banks,which provides experience support and reference for the optimization of liquidity risk management;Then,integrated with the theory of reality and experience,five aspects of optimization proposals on the liquidity risk management are posed;Finally,the paper summarizes and reviews the overall research situation,discusses and analyses the theoretical and practical enlightenment,and elaborates the future research emphasis and direction of liquidity risk management.It is found that the liquidity management of Anhui Tianchang Rural Commercial Bank and quantitative evaluation results are both good,but there are also some negative parts and causes affecting the improvement of liquidity risk management,which need to be paid close attention to.The results of empirical analysis also show that the quality of liquidity risk management is not only closely related to the structure of liability business,but also closely related to asset quality,the efficiency of management and profit-seeking preference.It is necessary to strengthen the related optimization and improvement from the perspective of comprehensive risk management theory.In view of this,for its better and healthier development in a more prudent way,the bank is suggested to strengthen its ability in liquidity risk management from various aspects and perspectives including mechanism management,O&M management,business management,resource management and personnel management.