Study Of Several Key Issues In The Management Of Funds Of Commercial Banks

Fund management is the main-string in commercial banks' administration.。Without the main-string ,the bank would miss its targets and the internal management would be chaotic. Based on the analysis of commercial banks' current concept about fund management, this paper brings forward that fund management is the main-string in its operation, and that the concept of fund management, including security and profitability , is extended from current "forrying fund" to the management of the fund cost and fund risk The paper comprehensively discusses the principle of fund management ,the management of fund costs, the tactics of management about fund liquidity, the measures of management about fund risks and how to solve the problems on interest risk in the period of frequent interest fluctuation .The paper puts forward ideas on how to improve the fund management .The security ,liquidity and profitability of the fund, which are both contradictory and integrated with one another, are internal factors of fund management .Fund liquidity is traditional core question .Commercial banks face with a number of risks of witch credit risk is the greatest one Because our country has adjusted interest rates 8 times since 1996 ,which covered a period of frequent interest fluctuation. Researching the problem about sensitivity of interests is apparently important in avoiding interest risks..The concept that fund management is the main-string in commercial bank' operation should be set up in order to improve fund management and to advance banks' operational efficiency, and fund should be programed and managed consistently. The system of banks should be reformed and modern regulations and management structure of corporations should be established . This will provides an advantageous platform for fund management. More tools of monetary policy should be created to improve the fund management, and to expand the room of fund adjustment and control .To create advantageous macro-environment for fund management, the ossificatory situation on money market should be broken down. The structure and carrier of liability should be optimized. Measures on evading and solving credit risks must be strengthened. Efforts should be made to look for channels in which fund can be saved , Through integrating resources ,the mode of operation can finally be modernized...