The Analysis Of The Commercial Bank Liquidity Risk

With the diversification of Chinese financial market system and the growing demand for funds, our country commercial bank develops rapidly and becomes mature.Asset size, rapid growth of business types and status of commercial Banks doing business daily is also increasingly outstanding. But affected by the process of market-oriented interest rate reform and financial, assets and liabilities structure in commercial Banks, development of nterbank business and some problems of the liquidity risk management is increasingly highlight. commercial Banks liquidity risk caused these deficiencies has become a hot topic which the trade organizations and its investors paying more attention to.The liquidity risk of commercial Banks has some characteristics including uncertainty, strong fracture strength, high complexity, etc. The liquidity risk of commercial is known as "the most deadly risk, in bank. In June 2013, our country appears "money shortage" phenomenon,and one of the trigger is the bank lend money cannot due to recover. And Industrial Bank is one of the fastest growing joint-stock Banks at that time, and its nterbank business has developed rapidly. In addition, the nterbank business volume has been far more than other commercial Banks. Therefore,the bank has the typical."shortage of money"as a starting point. Industrial Bank as a example, by reference to the commercial bank liquidity risk management of related theory knowledge, and based on the relevant data of Industrial Bank annual financial statements, the liquidity risk problems of Industrial Bank conducted a comprehensive analysis and evaluation.Through the study found that the bank non-performing loan ratio becomes higher while provisioning coverage ratio declined, and gap flow rate does not conform to the standard.Term mismatch and other problems in the trade business are the key to lead to liquidity risk problems. And finally based on the above problems and the actual situation of Industrial Bank, liquidity risk prevention suggestions and measures are put forward.