Research On Cash Management Of Small And Medium - Sized Commercial Banks

Cash in the bank is a nonprofit bank’s assets，It is an important guarantee to meetthe daily operations of the bank.Maintaining reasonable cash ratio of commercialbanks has a very important significance on controlling the liquidity risk andimproving asset utilization.Then,on the promise of guarantee of payment,holding areasonable level of cash holding becomes an important part of improving themanagement and reducing the risk of the bank.With the continuous development of the small and medium commercial banks inrecent years, the business increase greatly.However, cash management has been at alow level in the development.But for most banks,cash holding is mostly approved bytheir experience,which is lack of scientific and reasonable means and with a certaindegree of subjectivity.Based on analyzing the quantity pattern state of the best cash holdings,This papertaking A Rural Commercial Bank as the research objects,collect relevant data into themodel for analysis and compared with actual data analysis to identify the cashmanagement were unreasonable.According to the analysis,several reasonablesuggestions are included.It has some practical significance for study of small andmedium commercial banks cash management.