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Research On The Management Of Sources Stability Of A Bank’s Liability

Posted on:2023-04-30Degree:MasterType:Thesis
Country:ChinaCandidate:S Q LiuFull Text:PDF
GTID:2569306806491964Subject:Business Administration
Abstract/Summary:PDF Full Text Request
Due to the types of liabilities of China’s commercial banks becoming increasingly complex,the sources of liabilities more diversified,the customer structure more diversified,the proportion of non-deposit liabilities increasing,it takes more difficulty to regulatory and has a great impact on the safety and soundness of the Chinese financial system.March 23,2021,CBIRC issued the “Measures for quality control of liabilities of commercial banks”.The implementation of the measures makes a new policy environment for banks in China,and puts forward more systematic and comprehensive requirements for the liability management and risk control.The annual report of Bank A showed that it has experienced a decline in the growth of debt scale and a high proportion of wholesale financing in recent years.In this context,this paper studies the quality of liabilities from the perspective of source stability of liabilities,which provides theoretical reference for Bank A to expand sources of liabilities,improve stability of liabilities,improve the level of liability management,and prevent related risks caused by stability of liabilities.This paper introduced the theoretical basis and development trend of the research on the source of liabilities,by referring to the relevant literature at home and abord.Through in-depth analysis of the historical liability data from 2015 to 2020 of Bank A,the paper find out the shortcomings:(a)Emphasized on "quantity" over "quality" in management,lack of quality management concept;(b)The internal control system was not perfect,and there was a big gap between the requirements of debt quality supervision;(c)The growth of debt scale was weak,the growth of core debt was declining,and the growth gap between deposit and loan was expanding;(d)The structure of liabilities was unreasonable,and wholesale financing took a large part and had a wide variation.By analyzing,it found that increasing complexity of liability business of BANK A,insufficient attention to quality management,lagging channel construction,weak technological support s were the four internal factors of the problem;External factors such as: stricter financial supervision,late introduction of debt quality management measures,slowing economic growth in the region where Bank A was located and the impact of credit default events of large enterprises within the region generated the problems.On the basis of in-depth analysis of the causes of these problems,some management strategy was proposed:(a)Cultivate excellent liability management concepts and strengthen liquidity risk management awareness;(b)Focus on quality management of liability,implement the internal audit system of liability quality;(c)Expand deposit sources through multiple channels,branch establishment and expand its customers;(d)Adjust the liability structure and improve the ratio of core deposits.With the method of comparative analysis,this paper combined with the practical needs and regulatory requirements of the quality management of liabilities of commercial banks from the perspective of the stability of liability sources,and put forward BANK A’s liabilities source stability management strategy.It was timely,also unique and innovative.
Keywords/Search Tags:commercial bank, source stability of liabilities, comparative analysis
PDF Full Text Request
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