商业银行流动性风险管理与我国的对策-研究

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1、——些堡查兰塑主兰竺堡兰ABSTRACTTheproblemofliquidityisoneofthemaindifficultproblemsnotsolvedyetinthefinancialfieldinourtimes．Ifwecan’twellsolvetheproblemofliquidity,itwillresultinthepayingcrisis．Thisquestionexistsinnotonlyfinancialinstitutionbutalsonon-financialinstitution．Asthel

2、iquiditycreatorofthemarket，therewillbemuchdangeroftheliquidityriskforthefinancialinstitutions．Theliquiditycrisisledbytheimproperliquiditymanagementwillbringaheavyblowtotheinvestorsandcreditors’confidence．Allthesewillseriouslydamagetheprestigeoftheorganization．Ifthecris

3、iscan’tbeeffectivelysolvedintime，thefinalresultwillbeveryserious．Duringwritingofthetext，Ihavereviewedtheliquidityriskmanagementtheoryofcommercialbankatfirst．Thenthecharacteristicstotheliquidityriskmanagementofwesterndevelopedcountrieshavebeensummarized．Atlast，concretee

4、videnceshavebeenputtothestateofourcommercialbanks’liquidityrisk，andsomesuggestionsofliquidityriskmanagementhavebeenputforward．Thisdissertationiscomposedofsixparts：PartI．TheriskandtheriskmanagementofcommercialbanksInthispart，thedissertationmainlyregardstheconceptoftheli

5、quidityriskasthestartingpoint，andthenintroducestheliquiditycompositionofcommemialbankfromtworespectsoftheassetanddebt．Secondly,thesurfacereasonandthedeepreasonofthecommercialbanks’liquidityriskhavebeenanalyzed．Atlast,thedevelopmentofliquidityriskmanagementtheodeshavebe

6、endividedfourperiods，whichareassetsmanagementtheory,liabilitymanagementtheory,comprehensivemanagementtheoryandmfybalancesheetmanagementtheory．PartII．Theinternationalcomparisonsofliquidityriskmanagementandthelessonswegetfromit．Inthispart,thedissertationhasoriginallyintr

7、oducedtheadvancedliquidity5山东大学硕士学位论文riskmanagementexperiencesofU．S．A．，GermanyandHongKong．Thenthereferencemeaningsinliquidityriskmanagementofthecommercialbanksofourcountryhavebeensummarized．PartIII．Thepositiveresearchofthemobileriskmanagementstateofcommercialbanksinour

8、country．Inthispart，thedissertationoriginallyanalysesfromthesystembackgroundandtheindexsystemofliquidityriskmanagement