Joint-stock Commercial Banks Maturity Mismatch Risk And Governance Research

In recent years, great changes have taken place in China’s joint-stock commercialbank assets and debt maturity structure. Joint-stock commercial banks in the medium andlong-term lending and other applications at the same time, the term wrong due to not beable to raise enough cash flow matching risk. Joint-stock commercial banks maturitymismatch phenomenon and expanding, has great influence on China’s joint-stockcommercial banks, financial market and the whole market economy, caused the highattention of academic circles and industry. But it is not really to find an effective methodof risk can be solved with the joint-stock commercial banks of our country the term.Therefore, this thesis studies the joint-stock commercial banks maturity mismatch risk andgovernance, has important theoretical and practical significance.This article from the current situation of the maturity mismatch risk of China’sjoint-stock commercial banks, combined with the theory of joint-stock commercial banksof the maturity mismatch, from the point of view of financial markets, savings deposits,bank loans and shadow banks, the reasons and hazards of the joint-stock commercialbanks of our country the maturity mismatch risk has carried on in-depth analysis. At thesame time, under the support of relevant data, the joint-stock commercial banks maturitymismatch risk through data statistics, comparison and case analysis, and puts forward thesuggestions and Countermeasures of joint-stock commercial banks maturity mismatch risk,hoping to ease China’s joint-stock commercial bank maturity mismatch risk to a certainextent, by the maturity mismatch risk prevention and control, to play a guiding role topromote China’s financial market stability and healthy development.