Liquidity Risk Prevention Of CY Village And Town Banks In Shaanxi

With the continuous development of the economy,the continuous deepening of financial reforms,and the marketization of interest rates is maturing,the domestic financial environment has become more complicated.my country's banking industry is also facing new challenges,and potential liquidity risks will become increasingly apparent,which will bring huge impacts and challenges to banks.At this stage,compared with other large banks,the liquidity risk pressure of small and medium banks is more severe,especially for county-level legal person financial institutions represented by village banks,whose risks are more prominent.Village banks do not have sufficient knowledge of liquidity risk management,and their own measurement indicators of liquidity risk are only satisfied with regulatory indicators,which leads to a serious lag in their liquidity management level and can easily lead to liquidity risks.Therefore,village banks need to strengthen the management of liquidity risks and implement emergency management mechanisms in order to ensure stable operations.Based on the research on liquidity risk management by domestic and foreign scholars,this paper uses Shaanxi CY rural banks as a case to illustrate the current status and existing problems of liquidity risk management in rural banks.The liquidity risk framework is imperfect and the level of asset liability management It still needs to be improved,and comprehensive management talents need to be improved.The problems faced by rural banks include external environmental factors.The external macroeconomic downturn,the continuous deepening of interest rate marketization,and the increasing competition in the inter-bank market are factors that easily trigger liquidity risks.But it also faces internal problems,lack of understanding of liquidity risk management,senior management's preference for risk,and insufficient information management,which is also easy to cause liquidity risks.Combining with the experience of other domestic rural banks in liquidity risk management,it summarizes and puts forward specific suggestions and countermeasures for CY rural banks.The research results show that:(1)CY rural banks are small in scale,located in economically underdeveloped areas,and are vulnerable to external environmental impacts.They have established a liquidity risk management framework,but have weak liquidity risk management capabilities;(2)Through further analysis,it is found that there are problems such as insufficient liquidity management framework,insufficient asset and liability management level,untimely monitoring of liquidity risk management,and lack of comprehensive management talents;(3)Reference to the typical domestically established and well-developed rural banks CY rural banks should improve their liquidity risk management framework,asset-liability management level,liquidity risk monitoring,emergency response plans,etc.,to further improve their own liquidity risk management level;(4)From organizational framework,risk monitoring,staff Put forward suggestions and countermeasures in five aspects: comprehensive capabilities,asset allocation,and liability structure,to enhance the awareness of CY rural banks' liquidity risk management,and strengthen the overall liquidity risk management capabilities of CY rural banks.