我国商业银行流动性问题探索

摘要···························································I

关键词·························································I

Abstract·······················································II

一、引言·······················································1

（一）研究背景·················································1

（二）本选题研究的目的及意义···································1

（三）本选题主要内容···········································1

二、文献综述···················································1

（一）流动性文献综述···········································1

（二）商业银行资金流动文献综述·································2

（三）保持商业银行资金流动效率的研究···························2

三、我国商业银行资金流动性现状与问题···························2

（一）我国商业银行资金流动性现状·······························2

（二）我国商业银行资金流动性问题·······························3

（三）影响我国商业银行资金流动性风险的因素·····················3

四、推动我国商业银行资金流动性建议·····························4

（一）商业银行的经营目标·······································4

（一）商业银行资金流动性问题实证分析···························6

（二）强化信贷管理，极力化解不良资产···························6

（三）落实各项法规，严格贷款管理·······························6

（四）加强贷款后期管理防止道德风险·····························6

（五）促进金融市场发展，拓宽资金运用渠道·······················6

（六）设立专门的流动性管理部门·································7

（七）设立预警机制及早防范资金流动性风险·······················7

五、结论与展望·················································7

（一）本文主要结论与分析·······································7

（二）研究局限于展望···········································8

参考文献·······················································9

致谢···························································10

内 容 摘 要

商业银行之所以能够在经济增长方面提供帮助，那是因为在市场经济发展中占有重要的一席之地，进一步使得2008金融危机快速脱离我国。虽然在当前经济形势下我国经济较为乐观，我国的四大国有商业银行股份制也相继完成改造利率逐步走向市场化，但是我国商业银行在经营管理中所面临的流动性风险也随之增大。商业银行如果想在以后的日子中能够得到长远的进步，那么银行的安全性、流动性以及盈利性也是我们着重考虑的因素。本文主要分析了当前我国商业银行资金流动性风险管理存在的问题，提出来推动我国商业银行资金流动性建议，同时还要求我国商业银行汲取美国金融危机带来的教训，在不断完善未来市场化的同时强化商业银行对资金流动性风险管理工作。

关键词：商业银行；资金流动性；资金结构性；金融危机