1、is responsible for Organization training, and implementation, and check; 12, master workshops annual economic indicators of implementation, reporting to financial health on a regular basis; 13, is responsible for the daily oversight in the allocation and use of funds; 14, responsible for all Departm
2、ent statistics, collecting, sorting, reporting of accounting reports; 15, the company responsible for the supervision of the Treasury, including the “third grade“ library, a library of materials, products for regular inventory handling, sampling, storage monitoring, the picking work, and provide the
3、 inventory report, and make the appropriate accounting treatment; 16, responsible for waste and recycling, transportation and settlement; 17, is responsible for all product sales accounting functions; 18, responsible for the companys raw materials, auxiliary materials, account management; 19, is res
4、ponsible for the flow of control of all assets of the company, according to the changes in accounting treatment of fixed assets and assets to the departments responsible for clearing, settlement and asset monthly report submitted to the asset management section of the Finance Department of the compa
5、ny organized on a company-wide special inspection of asset management; 20, according to the companys business activities, monthly projects involved in the business activities of the company (including expenses, business management, cost control, cash flow, revenue, etc) financial analysis, provide a
6、 basis for decisions for the company, the business of the company responsible for monitoring, forecasting and risk analysis; 21, responsible for the settlement of transactions with the Bank; 22, is汇报材料2流动性风险管理存在问题 12, master workshops annual economic indicators of implementation, reporting to financ
7、ial health on a regular basis; 13, is responsible for the daily oversight in the allocation and use of funds; 14, responsible for all Department statistics, collecting, sorting, reporting of accounting reports; 15, the company responsible for the supervision of the Treasury, including the “third gra
8、de“ library, a library of materials, products for regular inventory handling, sampling, storage monitoring, the picking work, and provide the inventory report, and make the appropriate accounting treatment; 16, responsible for waste and recycling, transportation and settlement; 17, is responsible fo
9、r all product sales accounting functions; 18, responsible for the companys raw materials, auxiliary materials, account management; 19, is responsible for the flow of control of all assets of the company, according to the changes in accounting treatment of fixed assets and assets to the departments r
10、esponsible for clearing, settlement and asset monthly report submitted to the asset management section of the Finance Department of the company organized on a company-wide special inspection of asset management; 20, according to the companys business activities, monthly projects involved in the busi
11、ness activities of the company (including expenses, business management, cost control, cash flow, revenue, etc) financial analysis, provide a basis for decisions for the company, the business of the company responsible for monitoring, forecasting and risk analysis; 21, responsible for the settlement
12、 of transactions with the Bank; 22, is国内资金流动，股市流动性收紧风险。2015年3月股市在杠杆投资促动下行情火爆，未来随着市场风险积聚该流动性风险可能发生，其触发点包括：本轮资金流入股市，带动股票价格提升估值风险加大，超出监管容忍度后调整政策的出现。2、加强公司金融资产市场流动性风险管理健全杠杆资产流动性管理，除传统债券业务外，加入两融业务杠杆监控，评估风险容忍程度，进行限额管理;建立对包括股票质押式购回在内的抵押物或标的券的流动性风险监测，对市场下跌情况下，负债覆盖程度和抵押资产处置变现性进行评估，以应对可能出现股市去杠杆的流动性风险。监测利率市场变化
13、，评估银行间市场趋紧，对公司短期融资渠道及债券持续杠杆经营的冲击。（2）逐步实现流动性风险管理的完全系统化公司引入金仕达流动性风险管理系统，部分功能已上线使用，部分功能仍在测试环境，部分需求还有待开发。故目前公司处于半系统化状态，在人工监控与系统化的转型过程中。目前通过台账管理或利用办公软件管理资产和负债的规模及到期情况、计算流动性指标等。未来希望逐步实现完全信息化，各业务部门通过该系统实现资金预约，系统会对资金到期时间、金额等进行自动计算，以提示各业务部门资金余缺，同时可用来计量流动性风险控制指标。 （3）通过债务融资和股权融资解决中长期资金缺口is responsible for Orga
14、nization training, and implementation, and check; 12, master workshops annual economic indicators of implementation, reporting to financial health on a regular basis; 13, is responsible for the daily oversight in the allocation and use of funds; 14, responsible for all Department statistics, collect
15、ing, sorting, reporting of accounting reports; 15, the company responsible for the supervision of the Treasury, including the “third grade“ library, a library of materials, products for regular inventory handling, sampling, storage monitoring, the picking work, and provide the inventory report, and
16、make the appropriate accounting treatment; 16, responsible for waste and recycling, transportation and settlement; 17, is responsible for all product sales accounting functions; 18, responsible for the companys raw materials, auxiliary materials, account management; 19, is responsible for the flow o
17、f control of all assets of the company, according to the changes in accounting treatment of fixed assets and assets to the departments responsible for clearing, settlement and asset monthly report submitted to the asset management section of the Finance Department of the company organized on a compa
18、ny-wide special inspection of asset management; 20, according to the companys business activities, monthly projects involved in the business activities of the company (including expenses, business management, cost control, cash flow, revenue, etc) financial analysis, provide a basis for decisions fo
19、r the company, the business of the company responsible for monitoring, forecasting and risk analysis; 21, responsible for the settlement of transactions with the Bank; 22, is2015 年度流动性综合压力测试结果显示，在预期满足各项业务的董事会授权规模上限的情况下，长期资金存在缺口，净稳定资金率指标不符合要求。年内必须通过债务融资或股权融资方式予以解决。资金尚未到位期间，严格控制各项业务规模，做好实时监测工作。1、加强资产负
20、债匹配分析，采用优质流动性资产储备体系与动态现金流测算体系，监控资产负债期限错配与现金流缺口情况；2、加强资产负债端管理，以确保在压力测试情况下依然不会出现流动性匮乏的情况。关注资产和负债到期日的匹配，合理安排负债结构，有效控制规模和期限的匹配差异，保证到期债务的支付；3、积极探索短期融资工具的使用，目前公司已有债券回购、银行间同业拆借，证券公司收益凭证等。下一阶段，应进一步加强短期融资工具开拓力度，包括同业授信银行的拓展、同业授信额度的提升等，贮备流动性；目前公司已发行两期次级债券，增加公司长期流动性资金储备，后续公司还将尝试发行证券公司债券来匹配各项业务规模需求。在股权融资方面，公司已制定
21、详实的增资计划并在稳步推进中，预计将在年内完成增资扩股，进一步增加资本金，以匹配公司中长期资金需求。（4）进一步拓宽临时性应急融资渠道1、法人日间透支业务已在推动并落实中，此业务将会释放日间流动性支持资金；is responsible for Organization training, and implementation, and check; 12, master workshops annual economic indicators of implementation, reporting to financial health on a regular basis; 13, is
22、responsible for the daily oversight in the allocation and use of funds; 14, responsible for all Department statistics, collecting, sorting, reporting of accounting reports; 15, the company responsible for the supervision of the Treasury, including the “third grade“ library, a library of materials, p
23、roducts for regular inventory handling, sampling, storage monitoring, the picking work, and provide the inventory report, and make the appropriate accounting treatment; 16, responsible for waste and recycling, transportation and settlement; 17, is responsible for all product sales accounting functio
24、ns; 18, responsible for the companys raw materials, auxiliary materials, account management; 19, is responsible for the flow of control of all assets of the company, according to the changes in accounting treatment of fixed assets and assets to the departments responsible for clearing, settlement an
25、d asset monthly report submitted to the asset management section of the Finance Department of the company organized on a company-wide special inspection of asset management; 20, according to the companys business activities, monthly projects involved in the business activities of the company (includ
26、ing expenses, business management, cost control, cash flow, revenue, etc) financial analysis, provide a basis for decisions for the company, the business of the company responsible for monitoring, forecasting and risk analysis; 21, responsible for the settlement of transactions with the Bank; 22, is
27、2、银行授信渠道在不断努力扩展中，应急拆借渠道及拆借额度将进一步完善；3、与股东及关联方之间的流动性支持通道也在沟通拓展与优化中（5）进一步完善流动性风险管理专业人才团队建设目前公司已着手补充和完善流动性管理专业人才，完善并打造流动性管理的专业团队，提升公司整体专业化流动性风险管理水平。三、公司流动性风险应急方案 公司应急计划覆盖正常市场环境和压力环境两方面的流动性应急计划，并对临时性流动性风险和长期性流动性风险设置应急计划的触发条件。临时性流动性风险包括突发清算交收事件：主要有银行网银系统出现故障、市场资金大幅收缩，回购资金难以收到、融资成本急剧上升；长期性流动性风险事项包括资金期限错配、信
28、用评级下调银行缩减拆借额度或无法进行短融发行、短长期债务到期而无法继续发行或市场资金利率上升而无法承受。公司应急计划实施应对公司现有资产和负债和潜在资源进行全面评价有序应对流动性风险。资产流动性管理方面包括使用货币资产、变现类货币资产如货币市场基金、变现有价证券如股票等、出售原来应持有至到期的证券如短期融资券、处置长期资产如公司房产、事前准备其他资金划拨路径和支付手段；负债方应可使用法人is responsible for Organization training, and implementation, and check; 12, master workshops annual econ
29、omic indicators of implementation, reporting to financial health on a regular basis; 13, is responsible for the daily oversight in the allocation and use of funds; 14, responsible for all Department statistics, collecting, sorting, reporting of accounting reports; 15, the company responsible for the
30、 supervision of the Treasury, including the “third grade“ library, a library of materials, products for regular inventory handling, sampling, storage monitoring, the picking work, and provide the inventory report, and make the appropriate accounting treatment; 16, responsible for waste and recycling
31、, transportation and settlement; 17, is responsible for all product sales accounting functions; 18, responsible for the companys raw materials, auxiliary materials, account management; 19, is responsible for the flow of control of all assets of the company, according to the changes in accounting tre
32、atment of fixed assets and assets to the departments responsible for clearing, settlement and asset monthly report submitted to the asset management section of the Finance Department of the company organized on a company-wide special inspection of asset management; 20, according to the companys busi
33、ness activities, monthly projects involved in the business activities of the company (including expenses, business management, cost control, cash flow, revenue, etc) financial analysis, provide a basis for decisions for the company, the business of the company responsible for monitoring, forecasting
34、 and risk analysis; 21, responsible for the settlement of transactions with the Bank; 22, is透支额度、动用银行拆借额度、增加债券回购杠杆融资、发行短期融资券、次级债、寻求股东及外部流动性支持措施。公司针对资金流动性风险事件，采取以下应急措施:流动性风险的监测及报告、流动性风险的评估、流动性风险应急处置。（一）流动性风险的监测及报告公司相关部门发现流动性风险或出现对公司整体流动性产生较大影响的情形时，应及时报告分管领导、合规风控部和财务管理部，说明对公司流动性影响程度、流动性缺口及其他情形。公司财务管理部
35、和合规风控部应做好流动性风险的日常监测预警工作，充分利用公司流动性风险管理系统，或其他工具或手段，对流动性风险监控指标异常以及其他影响流动性的情形进行监测，监测公司发生流动性风险情形时，应及时向首席风险官、财务分管领导和总裁报告。（二）流动性风险的评估根据相关部门报告及财务管理部、合规风控部监测的流动性风险事件，由财务管理部与合规风控部及时进行风险评估。如评估公司已发生流动性风险情形时，应及时报告首席风险官、财务分管领导及公司总裁。（三）流动性风险应急处置流程如下：1、财务管理部根据需要，牵头合规风控部组织公司相关部门组成临时应急小组，根据公司流动性事件导致的流动性缺口情况、风险事件评估的影响
36、程度、补充资金的时效性、筹资方式的时效性和is responsible for Organization training, and implementation, and check; 12, master workshops annual economic indicators of implementation, reporting to financial health on a regular basis; 13, is responsible for the daily oversight in the allocation and use of funds; 14, respon
37、sible for all Department statistics, collecting, sorting, reporting of accounting reports; 15, the company responsible for the supervision of the Treasury, including the “third grade“ library, a library of materials, products for regular inventory handling, sampling, storage monitoring, the picking
38、work, and provide the inventory report, and make the appropriate accounting treatment; 16, responsible for waste and recycling, transportation and settlement; 17, is responsible for all product sales accounting functions; 18, responsible for the companys raw materials, auxiliary materials, account m
39、anagement; 19, is responsible for the flow of control of all assets of the company, according to the changes in accounting treatment of fixed assets and assets to the departments responsible for clearing, settlement and asset monthly report submitted to the asset management section of the Finance De
40、partment of the company organized on a company-wide special inspection of asset management; 20, according to the companys business activities, monthly projects involved in the business activities of the company (including expenses, business management, cost control, cash flow, revenue, etc) financia
41、l analysis, provide a basis for decisions for the company, the business of the company responsible for monitoring, forecasting and risk analysis; 21, responsible for the settlement of transactions with the Bank; 22, is规模等因素，按照资金弥补速度“由内而外”的原则，研究制定流动性风险处置预案，并及时向首席风险官、财务分管领导及总裁报告；2、财务管理部向总裁提请临时组织召开总裁办公
42、会，对风险事项的处置措施进行决策；3、财务管理部根据总裁办公会决议，组织相关部门落实应急措施情况；4、合规风控部督促财务管理部及相关部门落实流动性风险的应急处置措施。（四）流动性风险应急处置具体措施（包括但不限于）1、公司内部资金调剂当某部门或业务出现资金缺口，在公司总账资金不足的情况下，由财务管理部主动对各业务部门存量资金进行调配并通知相关业务部门，以最快速度满足业务需要，保证公司流动性；2、暂停部分部门资金使用根据风险状况以及相关业务性质和特点，可由财务管理部通知暂停部分公司可控制节奏的业务资金使用；3、提前支取定期存款如内部资金调剂无法满足流动性需求，公司将协商银行提前支取定期存款；4、
43、同业拆借和正回购is responsible for Organization training, and implementation, and check; 12, master workshops annual economic indicators of implementation, reporting to financial health on a regular basis; 13, is responsible for the daily oversight in the allocation and use of funds; 14, responsible for all
44、 Department statistics, collecting, sorting, reporting of accounting reports; 15, the company responsible for the supervision of the Treasury, including the “third grade“ library, a library of materials, products for regular inventory handling, sampling, storage monitoring, the picking work, and pro
45、vide the inventory report, and make the appropriate accounting treatment; 16, responsible for waste and recycling, transportation and settlement; 17, is responsible for all product sales accounting functions; 18, responsible for the companys raw materials, auxiliary materials, account management; 19
46、, is responsible for the flow of control of all assets of the company, according to the changes in accounting treatment of fixed assets and assets to the departments responsible for clearing, settlement and asset monthly report submitted to the asset management section of the Finance Department of t
47、he company organized on a company-wide special inspection of asset management; 20, according to the companys business activities, monthly projects involved in the business activities of the company (including expenses, business management, cost control, cash flow, revenue, etc) financial analysis, p
48、rovide a basis for decisions for the company, the business of the company responsible for monitoring, forecasting and risk analysis; 21, responsible for the settlement of transactions with the Bank; 22, is自有资金无法满足流动性需求的，公司将根据业务资金需求的时间采取外部融资方式弥补流动性缺口。即时性流动性资金需求，财务管理部将立即启动银行同业拆借或通知债券投资部门进行正回购操作；5、两融债权
49、收益权融资和转融资在出现可预见流动性缺口的情况下，向公司管理层建议即时启动该类融资，满足公司阶段性流动性需求；6、调动公司外部资源调动公司的高端客户、合作银行、基金和其他机构，通过产品或其他方式获得资金；7、出售高流动性资产如上述方式不能满足相关流动性需求，向公司管理层建议通过在公开市场上出售高流动资产，补足公司流动性资金缺口；8、调整业务规模和结构考虑到公司流动性状况变化，向公司管理层建议对公司部分业务的规模和结构进行调整，降低部分业务杠杆率；公司针对流动性监控指标异常，采取以下应急措施：流动性风险的监测及报告、流动性风险的评估、流动性风险应急处置。（一）流动性风险监控指标异常的监测及报告财务管理部相关岗位监测发现公司的 LCR 和 NSFR 指标低于 110%，应及时向部门负责人、合规风控部、财务分管领导及首席风险官报告。is responsible for Organization training, and implementation, and check; 12, master workshops annual economic indicators of implementation, reporting to financial health on a regular basis; 13, is responsible for
