Research on liquidity risk of commercial bank – from the view of comparison of Chinese and American commercial banks

The liquidity risk of commercial banks has become an important driver the major risks in modern economic system. This paper synthesizes off balance sheet items which are often ignored traditional bank researches, and uses method tracking comparative analysis different window periods to explore changes possible Chinese before, during after financial crisis. It is found that loan projects, committed projects demand deposits drivers risk; Although level China’s high, due high deposit rate, low core capital ratio, rapid growth non-performing lack prevention awareness, still a need face.