毕业论文：《论我国中小银行的流动性风险管理》.docVIP

PAGE 1 PAGE 1 声明及论文使用的授权 本人郑重声明所呈交的论文是我个人在导师的指导下独立完成的。除了文中特别加以标注和致谢的地方外，论文中不包含其他人已经发表或撰写的研究成果。 论文作者签名： 年 月 日 本人同意浙江财经学院东方学院有关保留使用学位论文的规定，即：学校有权保留送交论文的复印件，允许论文被查阅和借阅；学校可以上网公布全部内容，可以采用影印、缩印或其他复制手段保存论文。 论文作者签名： 年 月 日 PAGE PAGE 1 论我国中小银行的流动性风险管理 摘 要：中小银行作为经营货币的特殊企业，其所承担的银行风险中流动性风险具有突发性，若银行自身的流动性不足，而外部援助不及时，极易导致中小银行的破产倒闭，更甚可能会影响整个金融体系的稳定发展。为避免破产倒闭的厄运，中小银行必须严格按照《巴塞尔新协议》的要求并结合自身的实际发展状况，对流动性风险进行深入了解，梳理流动性风险产生的原因，并根据流动性的测量方法预测和管理自身所需要的流动性，在日常经营中保证有充足资金可抵御临时风险的基础上谨慎经营，确保银行的稳定发展。 关键词：中小银行；流动性风险；风险管理 The Discussion of Liquidity Risks Management of The SmallMedium Banks in China Abstract: The SmallMedium Banks are the kinds of special enterprises as running money. In all the risks they should undertake, the liquidity risk always happen suddenly. If the banks own liquidity index is lower than the standard, and the assistance is also not timely, this circumstance will lead to the banks bankrupty, it also may affect the stability of the whole financial system. To avoid the bankrupty, the smallmedium bankd must abide Basel II strictly, concerning about their own development, having a deep understanding of liquidity risk, knowing the reasons of liquidity risk happened, calculating and managing the liquidity the banks needed according to the measurement methods of liquidity. In the smallmedium banks daily running, the should ensure that they have sufficient funds what can withstand the temporary risk for the stable development of banks. Key words: The SmallMedium Bank in China; Liquidity Risk; Risk Managemet 目 录 TOC \o 1-3 \h \u ,Journal of Financial Management and Analysis, 2006, Volume:19,Iusse:1,Pages:57-70. [12]Josepf. F. Sinkey: Commercial Bank Management (5thed.),Prentice - Hall, Inc. [13]Mark Babineck:Remains of Franklin Bank file for bankruptcy, Mc-Clatchy-Tribune Business News Washington, 2008(13).