Optimization Research On Liquidity Risk Management Of Small And Medium-sized Banks In China

In recent years,with the deepening reform of the social and economic system and the continuous improvement of the financial system,financial institutions provide a strong support for local economic development and are an indispensable part of social development.As the core members of financial institutions,commercial banks realize interest rate spread income through the maturity mismatch of assets and liabilities.This unique operation mode,which is different from other financial institutions,forms the liquidity risk of commercial banks.Since 2014,China’s economic development has been in the new normal of "three periods of superposition".In 2015,the Central Economic Work Conference proposed the new task of "three removal,one reduction and one supplement".Commercial banks,especially small and medium-sized commercial banks,face the situation of continuous superposition of external risks.Especially in 2019,Baoshang Bank was declared to be taken over by the regulatory authorities due to the outbreak of liquidity risk,which further exposed the huge hidden dangers of liquidity risk.Therefore,more and more scholars take the liquidity risk management of commercial banks as an important part of bank management to conduct in-depth research.This thesis attempts to analyze the liquidity index of Chinese small and medium-sized commercial banks,and research the status quo,existing problems and causes of their liquidity risk management through horizontal comparison and vertical analysis with other financial institutions.However,rural commercial bank,as the financial institution with the most network distribution and most institutions,is the main part of Chinese small and medium-sized commercial banks.This thesis aims to select Y rural commercial bank as the research object and carry out the discussion on its liquidity risk management,in order to further prove the common liquidity risk management problem faced by Chinese small and medium-sized commercial banks.Y Rural Commercial Bank is a local joint-stock commercial bank,which occupies a large market share in the local market.Under the current situation of increasing economic downward pressure and intensifying market competition,its asset and liability management and non-performing loan pressure drop are under obvious pressure,and its operation and management development is facing unprecedented challenges.Therefore,by combing the causes of liquidity risk theory and basic theory of management of domestic and foreign commercial banks,combined with the existing problems and causes of liquidity risk management of small and medium-sized Chinese banks,this thesis selects Y rural commercial bank related liquidity supervision indicators,and reflects its present liquidity risk status through longitudinal analysis of the changes of indicators over the years.This thesis expounds the deficiencies of Y rural commercial Bank in risk management system,asset and liability management and risk monitoring methods.At the same time,through the analysis of Y rural commercial bank management status and quantitative analysis,to explore the causes of its emergence.Finally,on the basis of summarizing the research results of domestic and foreign scholars on the liquidity risk management of commercial banks,the thesis puts forward some optimization measures and suggestions for the liquidity risk management of Chinese small and medium-sized commercial banks.Second,improve the risk management mechanism;Third,improve product innovation ability and strengthen asset and liability management;Fourth,accelerate digital transformation and establish a comprehensive risk management system.The research and analysis of this thesis plays a certain role in promoting Y rural commercial Bank to improve its liquidity risk management ability.Meanwhile,it has certain reference significance on liquidity risk management for other rural commercial banks and our country’s small and medium-sized commercial banks.