Modern technologies liquidity management contain two main approaches: the bank or company must have a stock of liquid assets, or to be able to quickly attract them.This alternative is shown in isolation in her likvidnosti- "reserve" (stationary liquidity) and likvidnosti- "flow" (dynamic value characterizing the current liquidity).Liquidity analysis suggests that these approaches, strategies and methods of liquidity management in practice are quite effective.
liquidity analysis of the insurance company, bank or enterprise aims to adequately assess the creditworthiness of the bank or the solvency of the company and to ensure fulfillment of the obligations to finance partners.In the most general form, it is a comparison of assets that are classified and grouped in descending order of their degree of liquidity.
liquidity analysis shows that all assets should be classified into four groups:
1. The most liquid - mainly used for current payments.
2. quick assets - payments, which occur within one year, such as accounts receivable.
3. Slowly implemented - payments, which will be produced later than 1 year.
4. illiquid - used long term.
first three are constantly changing, and therefore more liquid.
In modern society, the banks in their functional significance of the banking system can be likened to the circulatory system of the body.
raised funds, banks take responsibility for the interests of depositors.The latter are keen to capital trust bank was hurt.For this reason, banks should have all the features to fulfill the obligations specified date, without losing part of their income.This ability of the bank's definition and is characterized by the banking liquidity.
Recent events in world financial markets, the liquidity analysis confirmed the need to improve the banking sector in close connection with the restructuring of the economy.
From the very beginning of the crisis manifestations in the world economy the central bank does not forecast a strong negative impact.It was supposed to happen only an indirect effect by increasing the prices of financial resources in borrowing in foreign markets and reducing the resources of non-residents.But even this is quite a favorable opinion on the management of our central bank scenario carried a significant increase in the risk of bank liquidity.
However, if the damage to the stability of the banking sector was not applied from the outside, it came from within the economic system.Condition and results of operations largely depend on the conditions in which to work.Severe crisis implications in various sectors of the economy, firmly depend on partnership with Europe, could not be reflected on the banking system.Reduce the volume of services sold, there was a strong outflow of resources dramatically increased the proportion of bad loans, banks have felt the lack of liquidity.It was then, and thanks to the support of the Central Bank was able to minimize the negative impact on commercial banks.
As a result, the banking system has suffered from the crisis relatively due to less dependence on foreign investment.
analysis of liquidity of some banks, the effects of the global economic crisis and other factors attached to the problem of improving the liquidity management of particular significance.
considering its theoretical framework used today in banking, initially it should be noted that the unit of economic activity is the transaction of any business, or in relation to the bank - an operation.On this basis, the bank's liquidity can be defined as an indicator of the change in the condition of the bank in the course of banking operations.Consequently, the bank's liquidity management is nothing other than a banking organization so as to ensure that the required amount of the means of payment at the desired time.