Research On Liquidity Risk Measurement And Influencing Factors Of Rural Commercial Banks In Jilin Province

Liquidity risk refers to the failure of commercial banks to realize assets and obtain liabilities at a reasonable cost in a timely manner,thereby causing losses to the bank and even leading to bankruptcy.In extreme cases,it may even lead to financial systemic risk.As Chinese economy has entered a "new stage of development",the financial market has further developed,the reform of interest rate liberalization has continued to deepen,and financial institutions have become increasingly connected.The repeated and downward pressure on the economy has put forward higher requirements for Chinese commercial banks to prevent and resolve major financial risks.Compared with other commercial banks,rural commercial banks have "weak financial resources " and "weak foundation",and their customers are mainly local small and medium-sized enterprises.Facing the complex economic situation,the policy is constantly tightened,and their ability to resist risks is relatively weak,and to strictly control and prevent liquidity risks.Therefore,this paper studies the liquidity risk status,measurement methods and influencing factors of rural commercial banks in Jilin Province and puts forward corresponding suggestions based on the research results,to improve the ability to prevent and control the liquidity risk of rural commercial banks in Jilin Province.This paper firstly clarifies the research background,significance,purpose,and method,and collects,organizes and studies the existing literature on liquidity risk;On this basis,using index analysis and factor analysis to evaluate the liquidity risk status of rural commercial banks in Jilin Province;Then,through the establishment of a panel data model,it conducts an empirical analysis on the internal and external factors affecting the liquidity risk of rural commercial banks in Jilin Province.Finally,according to the empirical results,it draws conclusions and puts forward corresponding suggestions.Research shows that the liquidity risk of rural commercial banks in Jilin Province is generally stable,but some rural commercial banks’ liquidity risk has increased significantly due to emergencies,and the liquidity risk of rural commercial banks in Jilin Province is affected by asset scale,asset profitability,deposit growth rate,loan quality,Jilin Province GDP growth rate and monetary policy change factors have significant effects.Finally,based on the research results,this article puts forward corresponding suggestions on how to improve the liquidity risk prevention and control capabilities of Jilin Rural Commercial Bank,from the internal management and macro policy levels.