论文部分内容阅读
流动性风险是财务领域经常关注的问题,流动性不足往往是企业财务上发生困难的征兆之一。无论是金融还是非金融企业,都存在流动性风险,但对市场流动性创造者的金融企业而言,流动性风险的危害要大得多,很多金融企业都是由于流动性问题导致破产清盘。金融机构由于流动性管理不善所造成的流动性危机,会严重打击债权人或投资者信心,损害企业信誉。金融机构有着防范金融风险的强烈需求。本文试图就商业银行与开放式基金共同存在的流动性风险问题作一比较分析。
Liquidity risk is a constant concern in the financial field. Insufficient liquidity is often one of the financial difficulties that enterprises face. Liquidity risks exist in both financial and non-financial enterprises, but liquidity risks are much more damaging to financial firms that create market liquidity. Many financial firms are bankrupt due to liquidity problems. The liquidity crisis caused by poor liquidity management of financial institutions can seriously affect the confidence of creditors or investors and damage the credibility of enterprises. Financial institutions have a strong need to guard against financial risks. This article attempts to make a comparative analysis of the liquidity risk that exists between commercial banks and open-end funds.