Research On The Risk Management Of Commercial Bank Liquidity Loan

Since the 80 s of last century,the liberalization of Finance and the development of globalization have intensified the fluctuation of the world macro economic and financial market,and expanded the instability of commercial banks' operation.The risks of banking industry show the characteristics of diversification,complexity and globalization.As a high risk industry for operating money business,commercial banks will not only directly affect its sustainable development,but also relate to the coordinated development of financial,economic and social aspects.There are four risks in the commercial bank's liquidity loan: 1,the business risk of the enterprise itself;2,the loan misappropriation risk;3,the loan appointment risk;4,operation risk.The general idea of our commercial banks' floating capital loan supervision is to combine centralization and decentralization and centralize.There are many problems in the allocation of liquidity loans in commercial banks in China,such as the market share is too centralized,and the distribution and structure are not scientific.Liquidity loans assets are mainly concentrated in the hands of large and medium-sized state-owned enterprises,and the risk of floating capital loans is increasing.The development of commercial banks in some foreign countries is early.In the long course of development,a complete set of comprehensive risk management system has been formed and set up,which provides a lot of valuable experience for the management of the loan risk of the commercial banks in China.The measures to prevent the risk management of the commercial bank's liquidity loan are as follows: perfecting the concept of the loan risk management of the commercial bank's liquidity loan,perfecting the risk prevention mechanism of the liquidity loan,perfecting the measurement method and rating technology of the liquidity loan,and perfecting the corporate governance structure of the commercial bank.Through the analysis of various factors for the risk of working capital loans,various reasons are closely related and interacted.Similarly,preventing and resolving the risk of bank loans is the common responsibility of the whole society.