The Fund Position Management Model Of Gangdong Development Bank

Renmin Road's subbranch of Guangdong Development Bank is located at downtown of Dalian City. It's a hard fund position management because its variation of deposit, multi-credit business and frequent changes. Especially for the critical time that it face to its reform, to cooperate with new investor and complete the reform successfully, Guangdong Development Bank got higher requirement of fund position management. So it is very useful that we research and setup a scientific, promptly and exact model of fund position management.For the main content of this thesis, firstly, we introduce the three basic principle of fund management of commercial bank: Security, benefit and fluidity, and their relationship. Moreover, there are a summary of theory and method related with fund management in China or overseas. Secondly, we introduce the current status of fund position management and calculation method of Guangdong Development Bank, and analyze its pros and cons in detail. Thirdly, based on the analysis of demand and supply of fund position, according to finance and statistics' knowledge, we got a model of fund position management. And finally, we also verified the model based on the real data and conditions of Renmin Road's subbranch of Guangdong Development Bank.The focal point of this thesis: 1 .According to the theory of fund position management, research and got the key factors on demand and supply of fund position management, and based on those factors, we design a model of fund position management. 2. Based on the security and fluidity of fund management, we provide a safe fluid volume and its calculation method, to improve the benefit of fund. 3. Based on the data of 1^st half year in Renmin Road's subbranch of Guangdong Development Bank, apply regression method, define the coefficient of model of fund position management, moreover, we verified it based on the data of 2^nd half year.One of the innovations and characteristics this thesis lies in that the design of fund position management model to clear the relationship of available fund position and balance of guarantee deposit. Accordingly to the analysis of regression, we find the correlation between available fund position and balance of deposit without financing, balance of loan, balance of guarantee deposit, then design the model of fund position management, improve the current calculation method and got higher efficiency than before. Another is provide a concept of safe fluid volume with its calculation method based on the principle of security and fluidity, got a...