Rsearch On The Management Of Cash Deposit In Commercial Banks Outlets

With the continuous advancement of my country’s socialization process,commercial banks are facing tremendous pressure from transformation and development.With the continuous penetration of the service-oriented concept,people have higher requirements for bank services,and people hope to obtain more efficient and faster services.This aspect depends on the continuous advancement of information technology and the establishment of self-service platforms;it also relies on the transformation of bank management methods,one of which is the storage and management of cash in stock.Cash in stock plays an important role in the daily operations of commercial banks.Relying on cash in stock,commercial banks can meet the cash withdrawal needs of customers as well as the investment needs of commercial banks themselves.At present,the cash deposit management of commercial banks generally adopts a centralized management form,which is specifically manifested in the unified management of the cash deposits of various operating institutions by the central treasury.In order to achieve centralized management,commercial banks generally outsource cash logistics to armed escort companies.By means of armed escort,the cash in stocks of operating institutions are transported,and finally centralized management is realized.Under this management method,the following problems faced by banks,such as transportation risks,escort costs,labor demands,and punctual operations,have gradually emerged and become increasingly prominent.In this regard,this article proposes a cash storage management plan of "small cash overnight storage,large cash armed escort",and demonstrates its feasibility,in order to solve the above problems faced by banks.The article first briefly describes the background,research significance,and research status of the topic,and then lists the basic theories of bank branch cash management,the concept of commercial banks,the concept of cash on hand,the concept of social escort,the theory of cash on hand management,and inventory cash holding motivation theory,flat management theory,and decentralized process management theory were introduced in detail.Secondly,starting from the current cash management situation of mainstream commercial bank branches,analyze the major problems faced by banks under this cash management method,focusing on cash losses,escort costs,escorts,traffic congestion,bank employees,etc.Describe the outstanding issues one by one,emphasizing that the transformation of inventory management methods is of greatsignificance to the development of banks.Finally,the commercial bank puts forward the management concept of "small cash overnight deposit and large cash armed escort".Under this concept,bank branches can keep a certain amount of operating cash for daily business use.In order to deal with insufficient or excess positions,the role network model and cross-organizational operating system can be used to realize the allocation of funds.Realizing this management assumption can greatly reduce the number of armed escorts,and correspondingly resolve the outstanding problems of cash losses,escort costs,escorts,traffic congestion,bank employees,etc.under the current cash management method.The management concept of "small-value cash overnight storage,large-value cash armed escort" starts from the three aspects of operating system,staff management,and warehouse construction,and improves the management concept of small-value cash overnight storage.