我国商业银行流动性管理研究.pdfVIP

要 流动性风险是商业银行时刻都面临着的风险，一旦爆发，不仅会直接导致挤 兑和支付危机，严重时更会使银行破产倒闭。而流动性管理通过对商业银行资产 负债结构和期限进行灵活地调整，不仅能有效防范和化 流动性风险，避免挤兑 和支付危机，而且还可以协调流动性与盈利性的平衡，使银行在激烈的竞争中得 以长久的生存和发展。从而可以说，流动性管理是商业银行经营管理的核心和精 髓。 虽然流动性管理在商业银行的经营中起着举足轻重的作用，却又往往被银行 经营者们所忽略，最终导致严重的后果。随着国际银行业对流动性管理的日益重 视，我国商业银行的流动性管理也逐渐走上正轨。本文采用定性的分析方法，从 我国商业银行流动性现状入手，指出目前我国商业银行仍存在流动性隐患，必须 进行适当的流动性管理，否则会积聚更大的风险，威胁到整个金融系统的安全。 通过分析我国商业银行流动性管理的监管环境及其在实践中的特点，得出我 国商业银行流动性管理又存在许多问题和不足，而且还有一些因素制约着我国商 业银行的流动性管理。针对这些问题和制约因素，本文在借鉴国外先进经验的基 础上，提出了加强和完善我国商业银行流动性管理的对策建议。 关键词： 商业银行 流动性 货币创造 匹配管理 1 Abstract Liquidity risk is the risk that commercial bank is facing every moment. Once it broke out, it will not only directly lead to bank runs and payment crisis, but also lead to the bankruptcy in serious circumstances. Through flexible adjustment of the structure and period of the commercial bank s assets and liabilities, liquidity management can effectively guard against and dissolve liquidity risk, avoid bank runs and payment crisis, also can coordinate the liquidity and profitability of the bank, making the bank have long-term survival and development in fierce competitions. So it can be said that liquidity management is the core and essence of the commercial bank s operating management. Although liquidity management plays a significant role in the operation of commercial banks, it is usually ignored by the bank operators, which leads to serious sequence ultimately. Along with more attention paid to liquidity management in the international banking industry, it obtains the growing development eventually in the commercial banks in China. This paper takes a qualitative analysis method, and points out that there is hidden trouble of liquidity in the commercial