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资金管理是银行信贷管理的一部分主要内容,银行信贷的发展、存活、利得的诸多事项都与资金的管理紧密联系。但是商业银行因为其本身构造的特别性,成员分支较多,全国范围内分布较广,在资金集中管理上的事情显得极其特殊。资金管理失去控制、缺少监控的方法、资金使用效率比较低,逐渐变成我国银行信贷管理中急切要求改善的事项。为增加资金集中管理,降低财务的风险,商业银行应该参照自身的实际状况,改善自身的资金管理方式,让其适应管理不同的需求,在经营管理下施展其最大的效果。伴随着银行信贷业逐渐的扩大发展规模,怎样提高资金集中管理对于银行信贷行业有着极其重大的作用。本文从原始资金管理对于银行信贷行业存在的重要问题进行思考重点讲述银行资金集中管理的重要意义以及集中管理的必然性和分散式管理的弊端。
Capital management is a major part of bank credit management. The development, survival and profit-taking of bank credit are all closely linked with the management of funds. However, because of its special structure, commercial banks have more branch members and wider distribution across the country, making the management of funds centralized in a very special way. Lost control of funds management, lack of monitoring methods, the use of funds is relatively low efficiency, and gradually become an issue urgently required to improve our bank’s credit management. In order to increase centralized management of funds and reduce financial risks, commercial banks should improve their own capital management methods in light of their own actual conditions, adapt them to different needs and exert their utmost effectiveness under management. With the gradual expansion of the bank credit industry scale of development, how to improve the centralized management of funds for the banking credit industry has an extremely important role. This article from the original capital management for the bank credit industry to think about the important issues that focus on the centralized management of bank funds and the importance of centralized management of the inevitable and the drawbacks of decentralized management.