Analysis On Inner Management Of Investment And Financing In Bank Of Ningxia

It is very important for Bank of Ningxia to improve the fund efficiency on the premise of ensuring liquidity. This field also is a hot issue that all banks in china are interested in. This paper studies investment and financing in Bank of Ningxia, whose types of business involve the bonds repurchase, spot bond trading, credit lending, credit asset transfer and repurchase, bill of sale and repurchase, interbank deposits and account of agreement saving. The research goal is to maintain the liquidity and improve the efficiency of the Bank of Ningxia.The fund mentioned in the paper involved the use of fund from the commercial banks total deposit that had been deducted the loan and legal reserve requirement. By the end of2011, Ningxia Bank had attracted56billion deposits. After deducting rigid loan-to-deposit ratio75%and the reserve requirement ratio17%, the rest fund was4.48billion for operating.The main basis of this paper are some regulations of the People’s Bank of China, including asset-liability ratio, accommodation of funds, bond transaction and the management of credit granting in commercial banks. This study used literature method and empirical research. The main contents are introduction, related terms, current situation, main problems and some solutions.