Research On The Optimization Of Liquidity Risk Management Of X City Commercial Bank’s Interbank Business

Because of the continuous development of our financial market business and the continuous improvement of opening to the outside world in recent years,banks are facing increasingly severe competition,and at the same time,the pace of interest rate marketization is accelerating,the original business model of taking deposits and making loans has been unable to keep pace with the current market,so banks need to innovate and diversify their business to improve economic efficiency,and the innovation of the interbank business is an effective way to meet this demand.In recent years.The commercial banks have increasingly found the importance of the interbank business,and the scale of the interbank business has accounted for more than half of the total scale of the whole bank,moreover,the interbank business has gradually evolved into the means of increasing the profits of each bank by making up for the shortage of the liquidity of the commercial bank itself.By developing interbank business,commercial banks can make full use of resources sharing,complementary advantages,arrange the structure of assets and liabilities reasonably,thus effectively enhance the level of income,promote business model innovation,and enhance market competitiveness,to achieve sustainable development.With the development of the interbank business,the efficiency of the use of funds has been significantly improved,but it also brings certain risks,that is,the liquidity of funds between different institutions of the interbank business has been restricted,thus can not effectively support the development of the real economy.In addition to the characteristics of the interbank business and profit-making model,a large number of liquidity risk,making liquidity risk management is facing unprecedented challenges.Therefore,in order to more effectively promote the development of city commercial banks’ same-trade business and reduce the liquidity risk they may face in the operation of financial institutions,it is necessary to conduct a comprehensive and in-depth study and analysis of its liquidity risk management.Based on the domestic economic situation,this paper aims to probe into the concept of interbank business and the related theory of liquidity risk,and the related theory,classification,measurement and its impact on economic development are systematically summarized.On this basis,taking city commercial bank-X city commercial bank as an example,starting from the current situation of the interbank business development and liquidity risk management of X city commercial bank,in-depth analysis of the X city commercial bank in the interbank business liquidity risk management problems.And in view of these problems,carry on the optimization to the X city commercial bank’s interbank business liquidity risk management,thus promotes the X city commercial bank interbank business safety,the sound management.In addition,this also promotes the domestic commercial bank to promote the liquidity risk management level to play the very good example.