The Countermeasure Studying Of Commercial Bank Funds Operation Management

The funds condition of Chinese commercial banks has got widespread improvement, and property diversified trend is increasingly obvious in recent years. How to speed the usage efficiency and benefits of the funds has already become at present main task of each commercial bank in the fields of funds operation. With the increasing development of interest rate markets, the following problems are more and more serious for commercial banks: the level of funds installs is relatively low; the subject of installs is diversified and the ways and means are falling behind etc. This paper is under such background to study funds operation management of the commercial banksThis paper analyses the existed problems of the funds operation management in commercial banks, and find out that the above mentioned problems are because of adopting the funds "balance" management. By discussing the relevant connotation and analyzing the feasibility of funds operation management, the paper puts forward the significance of funds operation innovation, and discusses the request of the funds operation management innovation. According to the analysis of the existed problems, the paper puts forward the innovative measures of the funds operation management, which is "full concentration, unified installs and respective price ". In other words, by the full concentration of the funds, The commercial banks can deal with the low level of the funds install decision-making and the subject diversification. By the unified install of the funds, they can deal with the underdeveloped ways and means of the funds install. By building interior funds price system, they can deal with the imperfect price transference.