新形势下商业银行分支机构日间流动性风险管理分析

Analysis on Daytime Liquidity Risk Management of Branches of Commercial Banks under the New Situation

全球金融危机及我国阶段性“钱荒”事件的发生,让金融机构和监管层意识到流动性风险管理的重要性。同时,在新经济环境下,我国商业银行面临的流动性风险状况更加复杂,提升流动性风险管理水平迫在眉睫,流动性管理架构亟待完善,但在资金“一点清算”和流动性风险总行集中管理模式下,商业银行分支机构的流动性管理被相对弱化,若不引起重视可能会造成风险隐患。本文通过介绍我国商业银行流动性风险管理面临的新情况和管理难点,针对性提出了相应的对策建议,旨在通过分支机构做精、做细和做实日常流动性工作,提高商业银行整体流动性管理效能。

With the emergence of global financial crisis and phased shortage of currencies caused by this crisis,Chinese fi nancial institutions and supervisors recognize the signifi cance of liquidity risk management.Moreover,in the new economy,commercial banks in China are confronted with more complicated liquidity risks,so to raise the banks’ability of liquidity risk management and improve their management mechanism is imminent,but liquidity management of branches of commercial banks has been ignored,which will lead to potential dangers,because of the settlement of digital currencies and concentrated management of liquidity risks.By introducing the new problems and diffi culties of liquidity risk management in Chinese commercial banks,this study comes up with countermeasures and suggestions to improve the liquidity management of commercial banks by improving refi ned and detailed work in the liquidity management of these branches in a practical way.