Research On The Liquidity Risk Management Of PAB

Liquidity As the one of the three basic principles of commercial banks ' management, is the basis for the development of commercial Banks, and also the core risk commercial Banks has faced, it is sufficient to endanger the stabilization of commercial Banks and inclusive financial system. Therefore, the liquidity risk management is essential. That is why liquidity risk management is crucial, it is the key to ensure the stable operation of commercial bank. For a long period, national credit is the powerful backing of commercial bank in China. The problem of excess liquidity always can not be valued by the commercial bank, however, with the rapid development of the commercial bank in recent years, especially the shock of the Internet financial impact to the traditional banking sector, makes China commercial bank begin to Changing ideas to strengthen the operation and management, to strengthen the reform and innovation in various business, and pay more attention to the liquidity risk management. Due to the stand or fall of liquidity risk management is essential for commercial Banks, meanwhile the commercial bank's liquidity risk management is the major topics of Enhance competitiveness, expand and realize the bank efficiency, it is the guarantee to reduce the risk of commercial bank management and maintenance of commercial bank credit. In the present situation, the study of liquidity risk has some realistic meaning and research value to improve the current situation of China commercial bank liquidity risk management and the level of commercial bank's liquidity risk management, promote the development of commercial banking stability also.This paper attempts to use Ping An Bank as the research object, combining theory with practice to analyze the current situation of risk management. First, according to extensive literature, this paper summarizes the current circumstance, reason and measures about liquidity risk management that conducted by domestic and overseas scholars. Second, this paper analyzes the strategies, procedure and methods that Ping An bank deals with liquidity risk based on normative analysis, and at the same time it outlines the current situation of liquidity risk in the bank using loan-deposit ratio, liquidity ratio, non-performing loan ratio and other indicators. Finally, this paper draws the conclusion: overall, the operation of Ping An Bank is stable; according to the historical data, the risk management capability in the bank is increasing year by year; Ping An Bank complies with the regulatory requirements of the CBRC to measure liquidity risk from the selected indicators, but the selected indicators exceeds the requirements in several years. Because liquidity risk is a long-standing matter and accompanies with commercial banking system, we cannot ignore the supervision of liquidity risk, and the management system of liquidity risk in Ping An Bank still needs to be improved. The ultimate aim of this paper is to improve the ability of Ping An bank to manage liquidity risk.There are two innovative points of this paper: on one hand, previous literatures usually study liquidity risk management from the present situation of national or regional commercial banks in terms of research project, however, this paper uses Ping An bank as an example to conduct more specific research, which is more precise. On the other hand, about research content, the study of Ping An Bank in this paper is more systematic. When studying the liquidity risk management of Ping An bank, this paper analyzes the liquidity risk management system at the beginning, and then it makes further analysis based on historical statistics; finally, it assesses the overall performance about Ping An bank.