商业银行资金管理存在的问题与对策

Problems and Countermeasures of Commercial Bank Capital Management

资金管理是商业银行日常工作中较为耗费精力的工作,也是关键性的工作之一.在利差下降和竞争日益激烈的大环境下,商业银行的资金管理与使用将直接影响银行未来的发展方向.如何合理有效地管理资金,在保障资金流动性和安全性的前提下实现盈利等战略目标,是银行金融管理需面对的重要挑战.管理是商业银行资金管理的核心内容,银行应围绕有效管理的主题,细致分析现实存在的问题和不足,并制定解决措施,以促进自身发展.文章对商业银行资金管理存在的问题与对策进行了探讨,旨在促进商业银行的稳定可持续发展.

Capital management is not only a more energy-consuming task in the daily work of commercial banks,but also one of the key tasks.In the environment of declining interest rate spreads and increasingly fierce competition,the capital management and use of commercial banks will directly affect the future development direction of commercial banks.How to manage capital reasonably and effectively and achieve strategic goals such as profitability on the premise of ensuring the liquidity and safety of capital is an important challenge for bank financial management.Management is the core content of capital management of commercial banks,and banks should carefully analyze the existing problems and shortcomings around the theme of effective management,and formulate solutions to promote their own development.This paper discusses the existing problems and countermeasures of the capital management of commercial banks,aiming to help commercial banks to achieve stable and sustainable development.