Study On Influence Of Required Reserve Ratio To Bank D's Achievement

As our country's important monetary policy tool, Reserve against Deposits System is continuously playing the role which it should have. Especially since year 2006, the People's Bank of China adjust Required Reserve Ratio frequently. 15 times has enhanced Required Reserve Ratio in two years, from 8.5% to the historical high spot in September 2008, 17.5%. The People's Bank reduces the Required Reserve Ratio 0.5 percentage point on October 15, 2008. To all the adjustment's background and goal, Reserve against Deposits System has played the positive policy role. No matter from the theory or the practice, the Required Reserve Ratio's change have certain influence to the achievement of the commercial bank. There are many researches and discusses on macro-influence to the bank by scholars on various aspects. Then, how much influence to the basic unit bank, and how should the basic unit bank seek the maximization of its management achievement in the Required Reserve Ratio frequently adjustment stage, these are the main questions of this article.At first, this article introduced Reserve against Deposits System's concept, significance, and development history. And also made the simple introduction to the bank's survey. Then, analysed the collected material data. Used the methods on the evaluation of ICBC, made the contrast and the relevant analysis to Bank D's data. Finally, put forward the proposals and methods to enhance Bank D's management achievement based on the analysis result.