地方法人金融机构流动性风险监测及优化方法——以湖北省黄冈市某县级农村商业银行为例  

Liquidity Risk Monitoring and Optimization of Local Corporate Financial Institutions:A Case Study of Huanggang County Rural Commercial Bank in Hubei Province

作　　者：张雷[1] 杨雪[2] 杨朝舜 

机构地区：[1]北京理工大学马克思主义学院,北京100081 [2]北京理工大学人文与社会科学学院,北京100081

出　　处：《绵阳师范学院学报》2017年第4期23-29,共7页Journal of Mianyang Teachers＇ College

基　　金：北京理工大学基础研究基金项目"中国与印度信息化与工业化融合路径比较研究"(20122242014)

摘　　要：地方法人金融机构是地方金融体系的重要组成部分,在我国基层发挥着重要的金融职能,具有数量大、规模小的特点,加之经营过程中易出现不规范行为,极易引发流动性风险问题。本文基于利用文献研究、实地访谈等调研方法,结合中国人民银行黄冈市中心支行的实习工作,对地方法人金融机构流动性现状探究,并采用实证分析的方法,通过组合权重等统计方法建立起综合评价模型,对中部某县级地方法人金融机构的流动性风险进行监测与管理,并提出防范和化解此类问题的对策以及优化流动性风险监测的方法。The local corporate financial institutions, an important part of the local financial system, plays an important role in China＇s financial base, but it can easily lead to liquidity risk due to its characteristics of large quantity and small scale, and disorderly conduct in the management. This paper, using the literature research and interview method, analyzes the current situation of liquidity in local corporate financial institutions, based on the author~ experience in the people~ Bank of Chinese branch in Huanggang City. This paper also establishes, using empirical analysis method and the combined weight statistical method, a comprehensive evaluation model to monitor and manage the liquidity risks, and puts forward the countermeasures and optimization methods to prevent and re- solve the problem.

关 键 词：流动性风险 指标 优化 措施 

分 类 号：F832.7[经济管理—金融学]