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Research on Liquidity Risk of Chinese Commercial Bank

Author: DaiZuo
Tutor: ZengYongMei
School: Nanchang University
Course: Political Economics
Keywords: liquidity risk risk management commercial bank
CLC: F832.33
Type: Master's thesis
Year: 2009
Downloads: 171
Quote: 0
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Abstract


For a long time, lack of liquidity is the most important risk of commercial banks in China, which limits their development. In the new century, especially in recent years, with the rapid growth of China’s economy, as well as the dramatic changes in the international situation, the business environment of China’s commercial banks have also undergone tremendous changes, from lack of liquidity to liquidity surplus. In the process, the problem of liquidity surplus becomes more and more terrible. However, with the spread of financial crisis, our commercial banks will be affected by the current liquidity problem inevitably which will be more complex and changeable. Some scholars believe-that the inflection point of the current liquidity is coming and the liquidity has been not so well-off, but there are also scholars hold different views. Then, in the current complicated domestic and international economic situation, how to judge the direction of liquidity accurately? How to eliminate the negative impact of liquidity surplus? How to find the balance point between lack of liquidity and liquidity surplus? How to manage the liquidity better? All of these have become the most important task of our commercial banks. This article is based on this background, and the author uses the latest data to discuss the liquidity problem of China’s commercial banks from the theoretical and practical aspects.The main content of this paper is formed by four parts, which is "introduction’7’the analysis of liquidity risk management", "China’s commercial banks and its liquidity risk", as well as" the author’s view of liquidity management". In the first part,the author sorts out the theories of liquidity risk management. The second part introduced is the analysis of the author,main about the stochastic model based on the inventory theory;the third part analysis the liquidity risk of China’s commercial banks with some indexes and the stochastic model, and the conclusion is that: China’s commercial banks face on the structural liquidity surplus, but there is no obvious evidence to show that they suffer from the financial crisis. The last part is the author’s view of the liquidity risk management of China’s commercial banks, the author believes that in order to manage the liquidity of commercial banks, only the commercial banks is not enough, it also needs regulatory authorities and the macro-economy. The macro-level and micro-level should cooperate.As an important member of the financial system, the commercial banks’ performance impacts on the real economy directly. And in the course of commercial banks’ business, they have to achieve three principles-profitability, liquidity and security. In these three principles, liquidity lives in a key position. The study of liquidity risk in China’s commercial banks is helpful to understand the formation and the impact of liquidity risk, benefit to study the origin reasons of liquidity surplus in China’s commercial banks, and is in favor of understanding its impact to the macro-economy so that ensure the economy running stably and healthy.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Financial organizations, banks > Commercial banks ( specialized banks )
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