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随着我国金融市场的发展以及国家政策的扶持,我国商业银行改革与转型工作已经取得了良好成效。但是无论是经营方式还是运营理念,都在一定程度上体现出了与市场经济体制发展规律不适应的问题。在此背景下,对我国商业银行资金管理工作优化策略做出探讨对于商业银行的发展具有着重要意义。本文以提升我国商业银行资金管理工作成效为出发点,从资金管理、资金配置、资金运作和内部资金转移价格体系的构建四个方面做出了论述与探讨。
With the development of China’s financial market and the support of national policies, the reform and transformation of China’s commercial banks have achieved good results. However, whether it is the mode of operation or the concept of operation, to a certain extent, they reflect the problems that are incommensurate with the laws governing the development of the market economy. Under this background, it is of great significance for the development of commercial banks to make an exploration on the optimization strategy of the funds management in our country’s commercial banks. In this paper, starting from the effectiveness of capital management of commercial banks in our country, this paper discusses and discusses from four aspects: capital management, capital allocation, capital operation and the construction of internal capital transfer pricing system.