中国中小股份制银行流动性管理研究

The Study of Liquidity Management of Small-scale Shareholding Banks of China

目前,我国中小股份制银行在流动性管理上存在的主要问题是难以平衡规模扩张、追求高盈利与流动性之间的关系,规模扩张对流动性管理提出了更高的要求,如何管理好筹资渠道、制定合理的资产配置方案以及确定最优的现金资金持有量都是中小股份制银行面临的重要课题。该文将结合我国筹资渠道分配、流动性监管等宏观环境因素,借鉴企业财务管理对流动性资产持有量的决策方法,探索在当前市场环境下我国股份制银行实现高效的流动性风险与管理思路和方法。

Nowadays the thomy problem the small- scale Shareholding bank facing is how to balance the relationship between development, profit, and liquidity. The developing process brings more Challenges to the small - scale Shareholding bank. Deciding a reasonable cash holdings and improving liquidity through asset- liability management will be the new issue of liquidity management. This article tries to explore an efficient way for small- scale share- holding bank＇ s liquidity- management, by analyzing the studying results of the enterprises＇ financial management and according to the reality of China＇s financial market.