文章基本信息

标题：CONSIDERATIONS CONCERNING THE MANAGEMENT OF LIQUIDITY RISK IN BANKS
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作者：Veronel AVRAM ; Marioara AVRAM
期刊名称：Annals of the University of Craiova: Economic Sciences Series
印刷版ISSN：1223-365X
电子版ISSN：1843-3723
出版年度：2008
卷号：5
页码：2190-2197
语种：English
出版社：Universitaria Craiova
摘要：Assuring the liquidity is the main preoccupation for the management of a banking and financial institution.Achievement and preservation of the optimal level of liquidity is a true touchstone for the bank managers because the lack of liquidity as well as the over liquidity generates either supplementary costs or lesser incomes.Management of the liquidity risk means a series of measures that may be grouped as this: - Supervision and involvement from the persons in charge of the leadership;- Risks’ identification,evaluation and monitoring;- Control activities;- Monitoring activities;- Credible information systems.A higher complexity of the bank products and services,accompanied by an increase of the competitiveness and the enhanced interest of the economic agents and the population for making deposits as well as obtaining loan and credits,compels the banks to adopt a management of liquidity risk based mainly on prudence.A special importance is given nowadays to the correlation of resources maturity and bank placements,without ignoring the quality of the assets and guarantees accepted.
关键词：liquidity risk;leadership;internal control;maturity.