People [microblogging] capital of Red China August a pair of (Reporter He Xia) when work these days, the financial organisation issued the "2013 China the second quarter financial policy report," the report within the variety of a column of domestic money institutions' liquidity management Current state of affairs, issues and improvement orientation.
Rubric analysis, in recent years, with the in operation setting for banks, business models, funding sources and alternative changes, industrial banks' liquidity risk management challenges facing increasing day by day, and its management of liquidity is additionally a corresponding range of issues emerged.
June 2013, short market interest rates upward and volatility, that area unit each plagued by changes in interchange markets, festivals money delivery, pay the allowance, tax settlement, variety of regulative policies amplification capital necessities and alternative factors superimposed impact, however additionally reflects the banking concern liquidity risk management and quality liability management but bound.
First, liquidity and profitableness of business indicators like balance has to be reinforced. For the utilization of funds to boost potency and come through profit targets concerns, banking concern loans to extend profitableness by increasing the sturdy impulse, when deliberation the liquidity, security, profitableness relationship between the 3, it's simple contempt liquidity risk.
Second, the credit quality allocation structure and delivery schedule stability to be improved. banking concern "early delivery, early gains," the habitual behavior persists, expected policy could amendment, tend to be loaned to seize share, just in case assessment and revealing of the vital purpose, the motive ascribed loans is a lot of intense. This market liquidity fluctuations within the case of vulnerable.
Third, debt management, diversification and stability to be increased. Interbank business could be a banking concern liquidity management, improve capital potency and increase revenue a vital channel to hold out totally different operations is a vital side of promoting the event {of money|of monetary|of economic} markets and financial product innovation contains a positive which means. however within the early quality looser market short finish of the interest rates to stay low within the case, some industrial banks to use interbank business to avoid regulation, on a similar trade and alternative short wholesale funding reliance, "short money length release" business enlargement than quick, that appeared in liquidity fluctuations vulnerability highlighted.
Commercial banks ought to additional strengthen its liquidity and asset-liability management, the in operation behavior and prudent financial policy to support economic restructuring and according to the necessities.
First, we tend to should improve the liquidity management of the initiative, follow-up study on the international framework for liquidity management and watching tools analyze the progress of the interior analysis, system construction, pressure testing, etc. ready earlier.
Second is to strengthen analysis of economic science policy changes and changes in money markets and also the impact on liquidity, smart liquidity arrangements.
Third, we tend to should additional enhance the liquidity management of the degree of exactness and expertise, to take care of an inexpensive excess reserve funds to fulfill a spread of wants, to confirm the traditional settlement.
Fourth, in accordance with the macro-prudential necessities, affordable arrangements for the overall quantity and maturity structure of assets and liabilities, a decent grasp of credit and alternative assets in investments, and enhance the variety and stability of the debt, reducing deposits "red point" behavior, strengthen interbank business maturity mismatches interference.
Five target the stock of cash and credit by activating support the important economy, consistent with "revitalize the stock, optimizing incremental" demand, modify and optimize the credit structure.
The report additionally unconcealed that at this time, China has at the start established an advert bank liquidity risk management system, the institution of variety of indicators for watching liquidity risk, as well as liquidity magnitude relation, excess reserve rate. For the implementation of specific programs LCR is additionally finding out the relevant departments developed.
Rubric analysis, in recent years, with the in operation setting for banks, business models, funding sources and alternative changes, industrial banks' liquidity risk management challenges facing increasing day by day, and its management of liquidity is additionally a corresponding range of issues emerged.
June 2013, short market interest rates upward and volatility, that area unit each plagued by changes in interchange markets, festivals money delivery, pay the allowance, tax settlement, variety of regulative policies amplification capital necessities and alternative factors superimposed impact, however additionally reflects the banking concern liquidity risk management and quality liability management but bound.
First, liquidity and profitableness of business indicators like balance has to be reinforced. For the utilization of funds to boost potency and come through profit targets concerns, banking concern loans to extend profitableness by increasing the sturdy impulse, when deliberation the liquidity, security, profitableness relationship between the 3, it's simple contempt liquidity risk.
Second, the credit quality allocation structure and delivery schedule stability to be improved. banking concern "early delivery, early gains," the habitual behavior persists, expected policy could amendment, tend to be loaned to seize share, just in case assessment and revealing of the vital purpose, the motive ascribed loans is a lot of intense. This market liquidity fluctuations within the case of vulnerable.
Third, debt management, diversification and stability to be increased. Interbank business could be a banking concern liquidity management, improve capital potency and increase revenue a vital channel to hold out totally different operations is a vital side of promoting the event {of money|of monetary|of economic} markets and financial product innovation contains a positive which means. however within the early quality looser market short finish of the interest rates to stay low within the case, some industrial banks to use interbank business to avoid regulation, on a similar trade and alternative short wholesale funding reliance, "short money length release" business enlargement than quick, that appeared in liquidity fluctuations vulnerability highlighted.
Commercial banks ought to additional strengthen its liquidity and asset-liability management, the in operation behavior and prudent financial policy to support economic restructuring and according to the necessities.
First, we tend to should improve the liquidity management of the initiative, follow-up study on the international framework for liquidity management and watching tools analyze the progress of the interior analysis, system construction, pressure testing, etc. ready earlier.
Second is to strengthen analysis of economic science policy changes and changes in money markets and also the impact on liquidity, smart liquidity arrangements.
Third, we tend to should additional enhance the liquidity management of the degree of exactness and expertise, to take care of an inexpensive excess reserve funds to fulfill a spread of wants, to confirm the traditional settlement.
Fourth, in accordance with the macro-prudential necessities, affordable arrangements for the overall quantity and maturity structure of assets and liabilities, a decent grasp of credit and alternative assets in investments, and enhance the variety and stability of the debt, reducing deposits "red point" behavior, strengthen interbank business maturity mismatches interference.
Five target the stock of cash and credit by activating support the important economy, consistent with "revitalize the stock, optimizing incremental" demand, modify and optimize the credit structure.
The report additionally unconcealed that at this time, China has at the start established an advert bank liquidity risk management system, the institution of variety of indicators for watching liquidity risk, as well as liquidity magnitude relation, excess reserve rate. For the implementation of specific programs LCR is additionally finding out the relevant departments developed.
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