FEATURES OF CONTEMPORARY BANK'S LIQUIDITY MANAGEMENT

Анотація

Modern banking is subject to an ever-growing set of regulations that put enormous pressure on its work.Before the global financial crisis 2008 regulatory requirements concerned the credit risk monitoring, capitalization of banking institutions.Daily these risks increase the risks of real-time transactions, deposit portfolio risks, risks caused by managing data arrays and modern cyberthreats.In the post-crisis time, the attention of the banking market state regulators has shifted to the requirements of effective liquidity management.Banks are intermediaries between liquidity supplying depositors and liquidity demanding borrowers.Current scientific approach considers the bank's liquidity much broader: from the simple imbalance of active and passive balance sheet items to the bank's ability to meet customer credit needs.Bank for International Settlements uses the term of global liquidity to refer to the ease of financing in global financial markets.Complete liquidity model for banks should include managing short-term and long-term liquidity, various development scenarios, optimization of banks' liquidity.To this aim banks can implement shorten asset maturities or lengthen liability maturities, improve assets average liquidity or own capitalization.

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