| The importance of liquidity risk management in commercial banks in the day-to-day operation of the process has become increasingly prominent,but China’s commercial banks in the liquidity risk management is also quickly exposed many deficiencies.Outbreak in 2013,the two money shortage event is a concentrated reflection of the problem."Money" that the market liquidity is expected to have changed,easing liquidity has new changes with respect to financial institutions,indicates a significant shift in liquidity risk management,and not just on the banking capital side test.Since the birth of the financial system,liquidity risk management has been running through the whole business process of commercial banks,and is one of the outstanding problems in the financial field all over the world.If the commercial bank cannot solve the problem of liquidity risk management,will produce the payment crisis,which threatens the survival of commercial banks,so the major challenges of how to deal with the liquidity risk into the commercial bank risk management.It is in this context,the liquidity risk management of China’s small and medium-sized commercial banks of A bank the author deeply,put forward some suggestions on how to improve the ability of A bank liquidity risk management,we hope it can enrich the A in bank liquidity risk management has reference value.Many factors affect the A bank liquidity risk management,including assets and liabilities in the amount and term structure mismatch,insufficient capital adequacy,profitability is low low,the central bank’s monetary policy,changes in the external business environment and other accidental factors and so on mutation.However,the nature of A bank liquidity risk management is through the rational allocation of the assets and liabilities structure,so as to achieve effective management of the assets and liabilities of liquidity,liquidity risk will be controlled within a reasonable range. |
