The most important aspect of the company or a bank is to maintain its ability to faithfully fulfill the obligations without any additional costs and losses that define the concept of liquidity.
term "liquidity" means ease of converting wealth into money.Liquidity describes the willingness of the bank or the company to fulfill the financial obligations.Liquidity indicators of the enterprise include several local parameters.
balance sheet liquidity indicators reflect the current situation at a certain point in the ratio of available liquid assets of the bank and its liabilities.In other words, it is recorded in the balance sheet capacity to timely conversion of assets into means of payment to meet their obligations.
absolute liquidity - wider than the concept of balance sheet liquidity, which characterizes the ability of the partners to fulfill the obligations or other subjects of mutual relations.It should be noted that the bank is considered to be liquid, with liquid balance.But to ensure liquidity of the bank can not be identified only with the implementation of this condition.A number of external factors can destroy the liquidity of the bank, even if it has a balance close to the ideal.
liquidity of individual commercial banks, as well as a set of characteristics of all the banks on this basis, define the concept of a higher order of liquidity - the liquidity of the banking system.
Liquidity indicators of the enterprise - a complex, multi-level concept is a system of relations on the performance of companies with their obligations to achieve a particular effect, according to each level of functioning.
Today, liquidity is one of the key economic indicators of economic activity, and it is an essential criterion to ensure the stable development of the economy in general.Liquidity ratios of the enterprise, which largely depends on the stability of the activities of all entities and individuals involved in the monetary relations are one of the key parameters of economic health.For example, recent developments in financial markets a number of countries have confirmed the primary need of the banking sector, together with the reform of the different sectors of the economy.Most small and medium enterprises and banks today do not pay enough attention to the implementation of its activities in the economic and mathematical methods of analysis used and the level of modern information technology is still low.As a result - the low liquidity of the enterprise or other business entity.
The same applies to quality management implemented in the banks.In this situation, the task of the bank to maintain their liquidity is much more complicated.
special and very important role in maintaining bank liquidity plays a central bank.In order to control the level of commercial banks maintaining their liquidity, the National Bank set of prudential regulations: immediate, current, short-term liquidity and a minimum ratio of liquid assets to total assets.Daily
their design allows the central bank to control the presence of commercial banks the amount of liquid funds for a specific period.
Such actions allow effectively regulate the liquidity of banks and enterprises, through compulsory redundancy and performance standards in the past by holding so-called "security zone."Thus, the implementation of all regulations and instructions at a moderate business strategy guarantees a commercial bank rather high level of economic security, including liquidity.
