Under The New Situation, The Liquidity Risk Of Chinese Commercial Bank And Its Management

Under the protection of state credit, the management of commercial bank’s liquidity is ignored in the past. If there is a relatively rapid economic growth, in the situation of excess liquidity, the commercial bank can easily get fund from the market, and the damage of liquidity risk is small. However, nowadays, in the post-financial crisis world, economy grows much slower while bad loan ratio increases sharply, which intensify the problem of the maturity mismatches on the banker’s balance sheet.This article focuses on the problem of commercial bank’s liquidity risk, which can be divided into three parts. The first one is a conclusion of predecessor research results, the second one is the formation mechanism of liquidity risk, and last but not least is the management suggestions of commercial bank’s liquidity risk.The commercial bank should adjust the management strategies so that it can adapt the changes of economic environment. So this paper aims at analyze new situation, and try to find a new way of solving the problem of liquidity risk, which is meaningful and creative.