我国商业银行流动性风险管理问题与对策

发布时间：2018-05-26 22:15

本文选题：商业银行 + 流动性　；参考：《河北大学》2014年硕士论文

【摘要】：流动性管理在商业银行的经营管理中占据举足轻重的地位，，尤其是对传统业务占主导地位的我国商业银行而言，流动性的管理对商业银行的盈利性和安全性的实现起着不可忽视的作用。2013年“620钱荒”事件引发的银行业危机，表明我国商业银行的经营管理面临着一个突出的问题，即流动性管理不足。这造成商业银行资产的使用效率低下，并产生了流动性紧张的现象。能否有效地解决这一问题，是关系到我国商业银行在金融业全面开放后能否保持竞争力和独立性的关键。因此，商业银行流动性风险管理问题不仅是商业银行亟需解决的问题，也是学术界需要加以研究的重要课题。本文共分为六部分：第一部分是绪论，介绍论文的选题背景和研究意义、相关问题的国内外研究现状、本文的结构框架及创新点等；第二部分为商业银行流动性风险管理概述，主要介绍流动性风险管理的相关概念、方法，和流动性风险监管的趋势；第三部分主要介绍我国商业银行流动性风险的现状及成因，通过对我国社会流动性现状的分析和我国商业银行流动性风险的现状分析，剖析流动性风险的深层来源；第四部分采用指标分析的方法，结合商业银行的报表数据，进一步分析了我国商业银行流动性风险管理中存在的问题；第五部分给出了加强我国商业银行流动性风险管理的对策；第六部分是结论和展望部分，为下一步延伸研究提供思路。本文采用理论与实际相结合、定性与定量相结合的研究方法，对代表性较强的商业银行的流动性风险管理实践进行分析，旨在为完善我国商业银行流动性风险管理提供合理的政策建议。
[Abstract]:Liquidity management plays an important role in the management of commercial banks, especially for the traditional commercial banks. Liquidity management plays an important role in realizing the profitability and security of commercial banks. The banking crisis caused by the "620 money shortage" incident in 2013 shows that the management of commercial banks in China is facing a prominent problem. That is, inadequate liquidity management. This results in the inefficient use of commercial bank assets and the phenomenon of tight liquidity. Whether we can effectively solve this problem is the key to whether our commercial banks can maintain their competitiveness and independence after the financial industry is fully opened. Therefore, the liquidity risk management of commercial banks is not only an urgent problem for commercial banks, but also an important subject for academic research. This paper is divided into six parts: the first part is the introduction, introduces the background and research significance of the thesis, the domestic and foreign research status of related issues, the structural framework and innovation of this paper; the second part is an overview of liquidity risk management of commercial banks. The third part mainly introduces the current situation and causes of liquidity risk in commercial banks in China. Through the analysis of the current situation of social liquidity in China and the current situation of liquidity risk of commercial banks in China, the deep source of liquidity risk is analyzed. The fifth part gives the countermeasures to strengthen the liquidity risk management of commercial banks in China; the sixth part is the conclusion and prospect part. For the next extension of the study to provide ideas. This paper analyzes the liquidity risk management practice of commercial banks with strong representativeness by combining theory with practice, qualitative and quantitative analysis. The purpose is to provide reasonable policy suggestions for perfecting liquidity risk management of commercial banks in China.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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