Research On Optimization Of Liquidity Risk Management System Of Rural Commercial Bank

With the increasingly complex international financial market environment,China’s financial market has faced a more complex and severe situation;in particular,after the“Event of Baoshang Bank”causing the liquidity risk in May 2019 became a milestone event in the entire financial industry of China,credit rating of the financial market changed a lot,and credit risk preference of all institutions were improved rapidly,which resulted in the short-term stagnation of the liquidity of the entire market,and then the liquidity risk management entered the view of risk management of commercial banks again.In this paper,based on the literature review and analysis,theoretical research on the liquidity risk,management methods and basic principles for management of commercial banks are firstly expounded;then,the literature analysis,factor analysis and other methods are used to analyze the problems in liquidity risk management of G Rural Commercial Bank from five dimensions including system management,work mechanism,liquidity risk index system,personnel quality improvement and liquidity risk management system;next,the corresponding optimization schemes with regard to the problems in liquidity risk management of G Rural Commercial Bank are proposed;finally,several guarantee measures are proposed to further optimize the liquidity risk management system.In this paper,through the research,it is thought that in order to improve the liquidity risk management level of G Rural Commercial Bank,the optimization schemes are proposed from the aspects of system management framework,work mechanism for liquidity risk management,personal quality improvement,construction of the liquidity risk management system and the liquidity risk index system,and the policy suggestions are proposed from the perspectives including regulatory requirements,top design and financing channels according to the schemes.Research in this paper provides the multi-dimensional optimization schemes for the liquidity risk management system of G Rural Commercial Bank and also has the certain reference significance for the banking institutions of the same type.