苏南地区主要农村商业银行流动性实证研究  

An Empirical Study on the Liquidity of Major Rural Commercial Banks in South of Jiangsu Province

作　　者：王啸群[1] WANG Xiaoqun(Suzhou Industrial Park Branch, Jiangsu Union Technical Institute, Suzhou 215123, China)

机构地区：[1]江苏联合职业技术学院苏州工业园区分院,江苏苏州215123

出　　处：《无锡职业技术学院学报》2018年第2期71-74,共4页Journal of Wuxi Institute of Technology

摘　　要：流动性是商业银行营业营利性和安全性的黏合剂,只有保持恰当的流动性水平才能在维持一定的营利水平的同时保持银行稳健发展。目前学术界对于农村商业银行的流动性管理研究比较匮乏。文章选取苏南地区主要农村商业银行作为研究对象,探讨了苏南地区的社会经济发展。重点采用指标分析法和聚类分析技术,对7家银行12项流动性风险相关指标进行研究,认为苏南地区农村商业银行流动性水平一般,为此提出了提升农村商业银行流动性管理水平的相关建议。Liquidity is the bond of profitability and security of commercial banks.Only by maintaining proper liquidity,can the bank maintain its steady development while maintaining a certain level of profitability.So far,academic research on liquidity concentrated in large state-owned commercial banks,jointstock commercial banks and city commercial banks.The study of liquidity management of rural commercial banks is scarce.This paper takes the major rural commercial banks in South of Jiangsu province as the object of study.First of all,it discusses the social and economic development in South of Jiangsu province,which is the external environment for the operation of rural commercial banks.This paper uses index analysis and cluster analysis,12 liquidity risk indicators of 7 banks were studied in detail,and draws the general evaluation of the liquidity level of rural commercial banks in South of Jiangsu province.Finally,some suggestions are put forward to improve the liquidity management level of rural commercial banks.

关 键 词：农村商业银行 流动性 实证研究 

分 类 号：F832.33[经济管理—金融学]