浅析商业银行零级清算模式应用难点与对策

Analysis of the Difficulties and Countermeasures of the Application of Zero-Level Liquidation Mode in Commercial Banks

近年来,随着经济形势下行,利率市场化竞争加剧,资金头寸短缺逐渐成为制约商业银行发展的瓶颈。如何优化系统内资金管理,提高内部资金使用效率,已成为商业银行改善内部经营环境的首要任务。论文从商业银行内部清算模式角度,分析零级清算模式与多级清算模式、一级清算模式的应用差异,对商业银行实施零级清算模式的需求落地和配套措施提出管理意见。

In recent years,with the economic situation going down,the market-oriented competition of interest rates has intensified,and the shortage of fund position has gradually become the bottleneck restricting the development of commercial banks.How to optimize the fund management in the system and improve the efficiency of internal fund utilization has become the primary task for commercial banks to improve their internal operating environment.From the perspective of internal liquidation mode of commercial banks,this paper analyzes the application differences between zero-level liquidation mode,multi-level liquidation mode and one-level liquidation mode,and puts forward management opinions on the demand implementation and supporting measures for commercial banks to implement zero-level liquidation mode.