农村信用社流动性管理存在的问题及对策

目前,农村信用社的资产结构不均衡,变现能力差,流动性不佳,要么流动性过剩,要么流动性不足,其原因主要是信用社流动性管理意识淡薄,管理理念滞后.为此,农信社应树立正确的流动性管理目标,增强风险管理意识,采用主动的流动性管理策略,多渠道化解流动性风险,完善流动性风险的分析指标体系,建立有效的风险预警系统和应急处置机制,以更好地均衡流动性与盈利性之间的关系.

The Problems Existing in Liquidity Management of Rural Credit Cooperatives and the Proper Countermeasures

At present, there is non-equilibrium in the assets structure of rural credit cooperatives, featuring low cash realization and poor liquidity. The main causes lie in low sense of liquidity management and backward management idea. Therefore, rural credit cooperatives should set a right goal for liquidity management, enhance the sense of risk management, implement active strategies for liquidity management, and dissolve liquidity risks by means of various channels. They should also improve the analysis index system of liquidity risk and set up effective risk warning system and risk emergence disposal mechanism. Only by doing so can they do well in maintaining equilibrium between liquidity and profitability.