The asset liability liquidity of commercial banks is influenced by multiple factors from both internal and external environments.Internal factors include asset liability maturity matching,business expansion strategies,corporate governance and risk control capabilities,and the level of attention given by management.In terms of external environment,macroeconomic cycle changes,financial market fluctuations,and increased customer credit risk will all have a significant impact on bank liquidity.To improve the asset liability liquidity management of commercial banks,it is necessary to start from the following aspects.One is to strengthen liquidity risk management,establish a comprehensive liquidity risk warning indicator system,conduct liquidity stress testing,and build multi-level liquidity reserves.The second is to optimize asset structure allocation,reasonably allocate liquid asset investment portfolios,pay attention to the term structure and quality of loan assets,and develop transactional financial assets.The third is to expand the sources of liabilities,issue financial bonds,engage in syndicated loans,interbank lending,adjust deposit structures,and other diversified financing.The fourth is to establish a scientific liquidity evaluation system,select appropriate evaluation indicators,conduct multi-level warnings,and continuously optimize.Through these measures,the liquidity risk of commercial banks can be effectively prevented and controlled.
commercial banksasset liability liquidityliquidity riskinternal and external influencing factors
NETL
NSTL
万方数据
维普
