Investigation of factors affecting on the liquidity risk in banks (Case Study: Agricultural Bank of Ilam)

In today's world, no matter how that is going one very leaf of the calendar sheet banking system, giving importance to it in growth and development of economic is more clear and the need to address the issue of risk management and providing of definitions and concepts of the world's in control of an financial enterprise or in banking industry becomes clearer. Therefore, banks to their surviving must control and reduce risks that for this work, the identification of factors affecting the different risks will be very useful. One of the major risks associated with banking activity is liquidity risk. This study aims to identify factors affecting the liquidity risk that this risk with respect to data and information resources existed on the balance sheets of banks operating in the country's banking system is from 1389 to 1394, evaluated using analysis method. For doing the study, variables affecting liquidity risk was used SPSS software. So we can say that the liquidity risk affected by fluctuations of interest rate and the lack of timely of granting facilities to customers and as well as repayment of facilities by customers and lack of attract deposits.

risk, liquidity risk, interest rate fluctuations, payment facilities, lack of attract deposits