本文選題：長沙先導(dǎo)農(nóng)村商業(yè)銀行　切入點：流動性風(fēng)險　出處：《湖南大學(xué)》2013年碩士論文

【摘要】：隨著經(jīng)濟全球化的進程加快，金融風(fēng)險已經(jīng)在全世界引起了高度的重視�；谖覈鴩鴥�(nèi)金融市場和商業(yè)銀行經(jīng)營環(huán)境的特殊性，，流動性風(fēng)險管理在滿足其流動性、盈利性和安全性的基本需要上仍顯匱乏。在我國商業(yè)銀行經(jīng)營管理體系中，流動性過剩風(fēng)險問題仍是一個重大難題，作為專門為“三農(nóng)”領(lǐng)域提供金融服務(wù)的農(nóng)村商業(yè)銀行，由于經(jīng)營規(guī)模相對較小、業(yè)務(wù)人員素質(zhì)相對偏低、經(jīng)營業(yè)務(wù)相對不完善、抵抗風(fēng)險能力不強等特點，使其流動性過剩風(fēng)險問題較為突出，故而在流動性過剩管理體系上尚未完全健全和完善。 本文首先對近年來國內(nèi)外關(guān)于流動性過剩管理的文獻進行研究，闡述流動性過剩管理的國內(nèi)外經(jīng)驗，對中外流動性過剩管理進行比較；接著對長沙農(nóng)村商業(yè)銀行（以下簡稱長沙先導(dǎo)農(nóng)商行）的流動性監(jiān)測指標(biāo)進行定量分析，其流動性過剩問題主要是流動性資產(chǎn)過剩，存款貸不出；然后，分析長沙先導(dǎo)農(nóng)商行流動性過剩的成因及特征，以此研究出適合長沙先導(dǎo)農(nóng)商行流動性過剩管理的方法，健全和完善流動性過剩管理體系；最后在結(jié)合先導(dǎo)農(nóng)商行實際情況的同時，對重構(gòu)的長沙先導(dǎo)農(nóng)商行流動性過剩管理體系的實施進行了詳細的評估。 本文的研究成果對長沙先導(dǎo)農(nóng)村商業(yè)銀行重構(gòu)流動性過剩管理體系具有較強的實踐價值，同時值得我國中小商業(yè)銀行在完善其流動性過剩管理體系時借鑒。
[Abstract]:With the acceleration of the process of economic globalization, financial risk has attracted great attention all over the world.Based on the particularity of domestic financial market and commercial bank operating environment, liquidity risk management is still lacking in meeting the basic needs of liquidity, profitability and security.In the management and management system of commercial banks in China, the problem of excess liquidity risk is still a major problem. As a rural commercial bank specialized in providing financial services for the field of agriculture, rural areas and farmers, the scale of operation is relatively small.The quality of business personnel is relatively low, the management of business is relatively imperfect, and the ability to resist risk is not strong, which makes the liquidity excess risk more prominent, so the management system of excess liquidity is not completely perfect and perfect.In this paper, the domestic and foreign literature on liquidity excess management in recent years is studied, the domestic and foreign experience of liquidity excess management is expounded, and the liquidity excess management at home and abroad is compared.Then quantitative analysis is carried out on the liquidity monitoring index of Changsha Rural Commercial Bank (hereinafter referred to as Changsha Pioneer Agricultural Commercial Bank). The problem of excess liquidity is mainly the excess of liquid assets, and the deposit can not be lent out; then,Based on the analysis of the causes and characteristics of excess liquidity of Changsha leading agricultural firms, this paper studies the methods of liquidity excess management for Changsha leading agricultural firms, and perfects and perfects the management system of excess liquidity.Finally, combined with the actual situation of the leading agricultural firm, the implementation of the reconstructed liquidity surplus management system of Changsha leading agricultural firm is evaluated in detail.The research results of this paper have strong practical value for Changsha leading rural commercial banks to reconstruct the excess liquidity management system, and it is also worth learning from the small and medium-sized commercial banks in our country in perfecting their liquidity excess management system.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.33

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