宏观流动性过剩与商业银行流动性风险管理

Excess Liquidity and Commercial Banks Liquidity Risk Management

流动性过剩是近年来全球宏观经济领域的一个显著特征。在此背景下,商业银行流动性管理遇到了新的挑战。商业银行资金来源更加依赖金融市场,市场上的任何风吹草动都会影响到商业银行的流动性,甚至出现从流动性过剩到流动性不足的突然转化。有效管理商业银行流动性需要各国中央银行、金融监管者以及商业银行经营者的共同努力。

Excess liquidity is a significant characteristic of global c in recent years. In this context, the liquidity management of commercial banks is facing new challenges. The commercial bank is more dependent on financial markets. If the market has any sign of trouble, it will affect the liquidity of commercial banks, and even transform from the excess liquidity to the sudden lack of liquidity. Effective liquidity risk management of commercial banks need central banks, financial regulators and commercial banks work together.