Liang, Keke
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Research on the Asset Liability Management Mechanism of Commercial Banks Taking Silicon Valley Bank as an Example Jian, Yangyang; Liang, Keke; Sun, Yifei; Zhang, Fan
IC-ITECHS Vol 5 No 1 (2024): IC-ITECHS
Publisher : LPPM STIKI Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32664/ic-itechs.v5i1.1648

Abstract

Since 2023, the bank bankruptcy incidents in the United States, represented by Silicon Valley Bank, have continued to ferment, causing bank runs and capital market turmoil, and spreading panic in the financial market. This article takes Silicon Valley Bank as an example to review the beginning and end of the bankruptcy event caused by the liquidity crisis, and analyzes the reasons for its bankruptcy from internal factors such as bank asset liability maturity mismatch, weakened capital adequacy ratio, and lack of risk management measures, as well as external environmental factors such as the Federal Reserve's aggressive interest rate hike and the cold winter of Silicon Valley technology industry, On this basis, suggestions are proposed for optimizing asset liability structure management and strengthening risk warning and regulatory mechanisms in China's banking industry risk management. Based on the strategic orientation of promoting high-quality development of the financial industry in China, this article provides industry insights from the analysis of the bankruptcy events of Silicon Valley banks, which has certain practical value for strengthening risk management and supervision of banking institutions in China.
Research on Financial Risk Assessment and Control based on New energy vehicle manufacturing industry Jian, Yangyang; Liang, Keke; Lin, Yuxuan; Liu, Dan
IC-ITECHS Vol 5 No 1 (2024): IC-ITECHS
Publisher : LPPM STIKI Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32664/ic-itechs.v5i1.1649

Abstract

This paper analyzes the differentiated growth path and business strategy effect of new energy car manufacturing companies NIO, Xiaopeng and Lixiang. Starting with financial performance analysis, Z-Score model is used to analyze the yearly changes of X variable and Z value of the three companies based on their financial data from 2019-2023, and carry out financial capability analysis and financial risk assessment. In the market environment of intensified competition, this paper explores the common problems of new energy car making new power companies, improves the system of measures in order to help enterprises reduce financial risks, maintain stable operations, and provide a reference for many new energy automobile manufacturing companies.