长沙先导农村商业银行流动性过剩管理体系重构研究

发布时间：2018-04-03 15:01

本文选题：长沙先导农村商业银行　切入点：流动性风险　出处：《湖南大学》2013年硕士论文

【摘要】：随着经济全球化的进程加快，金融风险已经在全世界引起了高度的重视。基于我国国内金融市场和商业银行经营环境的特殊性，，流动性风险管理在满足其流动性、盈利性和安全性的基本需要上仍显匮乏。在我国商业银行经营管理体系中，流动性过剩风险问题仍是一个重大难题，作为专门为“三农”领域提供金融服务的农村商业银行，由于经营规模相对较小、业务人员素质相对偏低、经营业务相对不完善、抵抗风险能力不强等特点，使其流动性过剩风险问题较为突出，故而在流动性过剩管理体系上尚未完全健全和完善。本文首先对近年来国内外关于流动性过剩管理的文献进行研究，阐述流动性过剩管理的国内外经验，对中外流动性过剩管理进行比较；接着对长沙农村商业银行（以下简称长沙先导农商行）的流动性监测指标进行定量分析，其流动性过剩问题主要是流动性资产过剩，存款贷不出；然后，分析长沙先导农商行流动性过剩的成因及特征，以此研究出适合长沙先导农商行流动性过剩管理的方法，健全和完善流动性过剩管理体系；最后在结合先导农商行实际情况的同时，对重构的长沙先导农商行流动性过剩管理体系的实施进行了详细的评估。本文的研究成果对长沙先导农村商业银行重构流动性过剩管理体系具有较强的实践价值，同时值得我国中小商业银行在完善其流动性过剩管理体系时借鉴。
[Abstract]:With the acceleration of the process of economic globalization, financial risk has attracted great attention all over the world.Based on the particularity of domestic financial market and commercial bank operating environment, liquidity risk management is still lacking in meeting the basic needs of liquidity, profitability and security.In the management and management system of commercial banks in China, the problem of excess liquidity risk is still a major problem. As a rural commercial bank specialized in providing financial services for the field of agriculture, rural areas and farmers, the scale of operation is relatively small.The quality of business personnel is relatively low, the management of business is relatively imperfect, and the ability to resist risk is not strong, which makes the liquidity excess risk more prominent, so the management system of excess liquidity is not completely perfect and perfect.In this paper, the domestic and foreign literature on liquidity excess management in recent years is studied, the domestic and foreign experience of liquidity excess management is expounded, and the liquidity excess management at home and abroad is compared.Then quantitative analysis is carried out on the liquidity monitoring index of Changsha Rural Commercial Bank (hereinafter referred to as Changsha Pioneer Agricultural Commercial Bank). The problem of excess liquidity is mainly the excess of liquid assets, and the deposit can not be lent out; then,Based on the analysis of the causes and characteristics of excess liquidity of Changsha leading agricultural firms, this paper studies the methods of liquidity excess management for Changsha leading agricultural firms, and perfects and perfects the management system of excess liquidity.Finally, combined with the actual situation of the leading agricultural firm, the implementation of the reconstructed liquidity surplus management system of Changsha leading agricultural firm is evaluated in detail.The research results of this paper have strong practical value for Changsha leading rural commercial banks to reconstruct the excess liquidity management system, and it is also worth learning from the small and medium-sized commercial banks in our country in perfecting their liquidity excess management system.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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