运用“储蓄存款结构动态分析系统”优化资本结构

储蓄存款是商业银行营运资本来源的重要部分。这部分资本来源的结构及相应的成本对商业银行资产负债经营管理影响很大。本文作者设计开发“储蓄存款结构动态分析系统”，试图从储蓄存款动态结构的角度进行代发工资业务、存款结构、存款成本、现金流量、预警预测几个方面的分析和预测。该系统与一般传统的静态的业务分析系统不同，是一种全新的思维方式，它从时间、地域、业务变化的因素上对存款结构进行动态重组和分析，其结果更接近实际的资本结构，对如何进行经营决策有一定的参考价值。

This is important part that bank savings is capital source of Commercial Bank.The structure and cost of capital souroe enormous influence for the incur debts managing. The system try carry analyze and forecast on the acting discover wages, structure of savings, cost of savings, cash flow and alarm. This is different that together with tradition static analyze for the savings structure for factor of time and district and business change.The analyze result even more approach the reality capital structure, and there are reference value for the how to go on manage policy decision.