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| 论文编号： | 14297 | |
| 作者编号： | 2320200600 | |
| 上传时间： | 2023/12/11 15:07:38 | |
| 中文题目： | HB银行流动性风险管理研究 | |
| 英文题目： | The Research on Liquidity Risk Management of HB Bank | |
| 指导老师： | 黄福广教授 | |
| 中文关键字： | 商业银行；风险管理；流动性指标 | |
| 英文关键字： | Commercial Banks;Risk Management;Liquidity Metrics | |
| 中文摘要： | 流动性风险管理是商业银行经营管理的核心组成部分，对金融市场的稳定和健康发展具有重要意义。在金融市场中，流动性是指资产和负债之间的支付能力和转换能力，是银行能否满足日常支付和债务偿还的能力。因此，流动性风险管理直接关系着银行的偿债能力、风险承受能力以及金融市场的稳定性。银行经营中遇到的所有的经营风险最终表现形式都是流动性风险，因此做好流动性风险管理，是每个银行都必须要做好的首要功课。 本文回顾了国内外流动性风险管理的研究现状，明确了研究的目标和方法。它解释了流动性风险管理的基本概念，介绍了流动性风险管理理论和模型。选取了HB银行作为研究案例，对其流动性风险管理的现状进行研究，通过对其流动性风险管理框架、流动性风险指标、压力测试结果分析，并与先进上市银行进行对比，指出存在的问题，同时揭示了流动性风险管理问题背后的原因。最后提出改进HB银行流动性风险管理的策略和建议，它强调了强化流动性风险管理机制，提出优化资产和负债结构的措施等策略。最后，还讨论了流动性风险管理的现代化，建议建立流动性缓冲基金和应急机制，强调了流动性风险管理的动态调整和优化等。图9幅，表18个，参考文献41篇。 | |
| 英文摘要： | Liquidity risk management is a core component of commercial bank operations and management, which is of great significance for the stability and healthy development of the financial market. In the financial market, liquidity refers to the ability to pay and convert between assets and liabilities, and is the ability of banks to meet daily payments and debt repayments. Therefore, liquidity risk management is directly related to the solvency, risk tolerance, and stability of the financial market of banks. All operational risks encountered in bank operations ultimately manifest in the form of liquidity risk. Therefore, doing a good job in liquidity risk management is the primary task that every bank must do well. This article reviews the current research status of liquidity risk management both domestically and internationally, and clarifies the research objectives and methods. It explains the basic concepts of liquidity risk management and introduces the theories and models of liquidity risk management. We selected HB Bank as a research case to study the current status of its liquidity risk management. By analyzing its liquidity risk management framework, liquidity risk indicators, stress test results, and comparing it with advanced listed banks, we pointed out the existing problems. At the same time, it reveals the reasons behind the liquidity risk management issues. Finally, strategies and suggestions for improving HB Bank's liquidity risk management are proposed. It emphasizes the strengthening of liquidity risk management mechanisms and proposes strategies to optimize asset and liability structures. Finally, the modernization of liquidity risk management was discussed, and it was suggested to establish a liquidity buffer fund and emergency mechanism, emphasizing the dynamic adjustment and optimization of liquidity risk management. There are 9 figures, 18 tables, and 41 references. | |
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