Research On Liquidity Risk Management Of Chizhou JH Rural Commercial Bank

As one of the three basic principles of operation of a commercial bank liquidity, commercial banks is a prerequisite for maintaining the survival and development, and therefore, the liquidity risk management is not only an important part of modern commercial banks daily risk management is to ensure the sound operation of its the key. For a long time, a special national conditions of China’s commercial banks behind the strong support of national credit, which makes the implicit excess liquidity liquidity risk management of commercial banks has not seriously, but as China’s financial industry continues to open, market-oriented financial institutions rising, banks have accelerated the transition institutions have their own mechanisms for the establishment and management of a modern enterprise system, which also makes the potential liquidity risk gradually emerged, especially in the rural commercial banks as the main local small and medium corporate financial institutions. Liquidity risk in the event, will not only affect the sound operation of the banking institutions, will transfer to all aspects of the financial system, thereby endangering the stability of the development of the economy and society. Due to historical reasons, rural commercial banks other than the state-owned commercial banks and joint-stock commercial banks, in many ways, people, and capital strength and other mechanisms are at a disadvantage, poor liquidity risk management basis, in the current competitive market, there is a large number of potential risks, so as soon as possible in order to improve the local rural commercial banks based small and medium corporate banking institutions liquidity risk management system, for improving its overall competitiveness, maintain regional financial stability, has a crucial importance.Based on the above background, this paper attempts to Chizhou JH Rural Commercial Bank as the research object, using the relevant theoretical knowledge and practical work, analysis and study of its liquidity risk and management status, from theory to reality, to reveal the current JH rural commercial banks’liquidity risk manage the problems, defects, and gives detailed solutions and improvement program and want to make some effective strategies and recommendations...