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内部银行是企业对资金实行分级分权管理的一种形式。把国家银行的信贷职能、结算职能、监督职能引入企业,以增强职工的货币时间价值观念和资金效益观念。商业企业的内部银行,一般在大中型企业单位建立,企业内部独立核算的各个专业经营部、批发公司、零售商场等,均为内部银行开户的单位。内部银行的模式,当前较为流行的有统贷统存和统贷分存两种。下面我推荐一种吸收这两种模式优点的较为灵活的模式,可称为贷存多元化模式。何谓贷存多元化?简言之是企业在筹款用款方面,实行集权分权相结合的方式,宜
The internal bank is a form of hierarchical management of capital by enterprises. To introduce the credit function, settlement function, and supervision function of the state bank into the company, so as to enhance the employees’ time value of money concept and capital efficiency concept. The internal banks of commercial enterprises are generally established in medium-sized and large-sized enterprise units. The various specialized operating departments, wholesale companies, and retail shopping centers that are independently accounted for within the enterprise are all internal bank account-opening units. The internal bank model, the current more popular one is the unified loan system and the second one. Below I recommend a more flexible model that absorbs the advantages of these two models, which can be called the loan diversification model. What is meant by the diversification of loan deposits? In short, it is a combination of centralization and decentralization in the use of funds by companies.