浅析我国商业银行流动性风险及应对措施

Analysis of Liquidity Risk and Countermeasures of Commercial Banks in China

商业银行的流动性风险一直是深受重视的风险之一,并且流动性风险对于商业银行的盈利有着非常大的影响。近年来,受内部和外部各种因素影响以及2020年新冠肺炎疫情的冲击,我国商业银行的流动性风险管理面临着更大的挑战。商业银行需要提高资产负债管理能力,加强风险控制管理,提高工作人员的能力及银行信用度。

The liquidity risk of commercial banks has always been one of the most important risks,and it has a great impact on the profitability of commercial banks.In recent years,influenced by internal and external factors and the impact of COVID-19 in 2020,the liquidity risk management of commercial banks in China is facing greater challenges.Commercial banks need to improve their asset and liability management capabilities,strengthen risk control management,and improve their staff's ability and bank credit.