Dissertation > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Banking system and business

The Analysis on China Commercial Bank’s Liquidity Management

Author GaoPeng
Tutor YangYouZhen
School Shanxi University of Finance
Course Finance
Keywords commercial bank liquidity liquidity management internal and external environment
CLC F832.2
Type Master's thesis
Year 2006
Downloads 102
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Liquidity,safety,and profitability are foundation for the existence of the commercial banks.Of these,liquidity is the lifeline of the commercial banks.Only commercial banks to provide adequate liquidity and better meet the deposit requirements and the timely access to the appropriate loan demand,it can ensure its security and can talk about making profits.Judging from the current situation,China’S commercial banks in liquidity remain many problems,such as the structure of assets and liabilities structures exist unreaSonable matter.This is precisely the effect of the most important commercial bank liquidity of the two aspects. In recent years,China’S all kinds of reform are in deepening,reform of the economic environment has many changes , financial markets is in developing,and monetary policy tools have increased gradually,these changes in the environment affect commercial banks liquidity management.Some liquidity targets in the past have been could not adapt to the new situation,despite the introduction of new provisions,but the management can not only stay in the management of liquidity provisions. Commercial bank’S inadequate adaptability in the changing macro environment is likely to induce liquidity risk.Liquidity management is the problems to which every commercial bank must face.Liquidity management is not a simple matter,China comm ercial banks have many shortcomings by comparing with internationaI commercial banks in advanced countries,but also have their own characteristics.This article iS based on the current situation of China’S commercial banks liquidity status,by analyzing the supply and demand of the liquidity, using the commercial banks annual report,analyzing in the new economic environment the liquidity management problems to which our commercial banks face.From the angel of the commercial bank’S internal and external environment common action,drawing on the advanced experience of other countries,made a few suggestions that might contribute to the management of liquidity in commercial banks.

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