Customer deposits (this is the biggest source of funds for banks). After the bank receives the money, it can't just leave it there and wait for the customer to take it away one day. In order to make a profit and earn interest income, they must use the money, such as issuing loans (this is the biggest use of bank funds).
Of course, customers who deposit money can take it away at any time, and banks not only need to bring money to customers, but also need to pay extra interest.
In the daily operation process as above, all funds need to be transferred constantly.
1. When a customer who needs a loan applies for a loan, the bank will transfer the deposit funds to the bank that issued the loan, and then deposit the money into the loan customer's account.
2. When the depositor withdraws the deposit, the bank needs to transfer the recovered loan funds to the depositor.
The main reason for withdrawal is the difference in time, amount and bank branches between deposits and loans. For example, banks have absorbed a large number of demand deposits, and customers may need to withdraw these deposits at any time, while lenders have borrowed long-term funds, such as three years later. In order to meet the withdrawal needs of depositors, banks have to transfer funds from other institutions to meet their needs. After three years, the borrower repaid the loan, and the bank can transfer this part of the funds to other institutions for use. Another example is that the bank has a deposit of10 million yuan, and those who can apply for loans only need to borrow 200,000 yuan. Banks can't waste the remaining funds. Here, for institutions that need to use funds, it is necessary to allocate them to other institutions (such as higher-level institutions) to effectively use them and gain benefits.
As mentioned above, here is only one simple example. In the actual fund business of banks, the allocation of funds is extremely complicated and important. In addition to the above-mentioned adjustment of deposit and loan structure, it also involves many links such as asset allocation, capital allocation and capital profitability. This fund should not only earn interest, but also meet the regulatory requirements. This is not a small topic.
Question 2: How to operate the internal transfer of stock fund account? Is the multi-line and three-deposit valve open?
It's only useful if it's opened,
Not all brokers have this function, we have it here.
Question 3: What is the significance of the allocation of housing provident fund funds? "Centralized account management" converts the balance and transaction details of provident fund in various banks in a unified standardized format through CBS system, and finally displays them on the management platform. Real-time fund monitoring through standardized account management.
"Centralized fund management" realizes the liquidity management of funds by using the "multi-level fund pool+intelligent fund transfer" function of the fund system after centralized account management is realized.
"Centralized business settlement" refers to the docking of the fund system with the banking system and the back-office system, which can support the daily payment and settlement of the provident fund and the inter-bank batch payment and withholding.
Question 4: What is fund transfer expenditure? Fund allocation expenditure is the expenditure formed by the transfer of funds between the central and local governments and the distribution of funds at the corresponding level according to the provisions of the financial system. Funds allocation expenditure includes subsidy expenditure, upper solution expenditure and transfer funds. (1) Subsidy expenditure is the money that subsidizes the lower-level finance according to the provisions of the financial system and special needs. (2) About the solution of expenditure
Question 5: The procedure of fund transfer in stock account is as follows. You transferred money from the main account to the sub-account today. You can't transfer it from the sub-account today, and you can transfer it to the bank card bound to the sub-account the next trading day.
Question 6: How do you say funds transfer in English?
[Dictionary] [Finance] The transfer of financial resources;
The application of electronic fund transfer is becoming more and more important to the company.
The application of electronic transfer is becoming more and more important to the company.
Question 7: Personal views on fund allocation and fund collection in investment promotion and far-reaching financial management are for reference only.
1 The current situation is that China Merchants Card has money and Agricultural Card has no money.
1 the agricultural card can't withdraw money because all the money is on the investment card.
1 China Merchants Card should not be able to withdraw money, but it should be able to transfer to Agricultural Card.
You can try,
Question 8: How to directly transfer funds between different accounting entities? There is a difference between fund allocation and long-term investment. When allocating funds, financial personnel should find out the nature of funds, and it is not financial personnel but group leaders who decide whether to allocate internally or invest for a long time.
If it is clearly an internal transfer, record other receivables or other payables. If it is a long-term investment, it is recorded as a long-term investment.
Question 9: Seek advice on the allocation of funds among project companies? The transfer form should be internal transfer. Since it is a branch, this will do. If it is a subsidiary, the procedures should be complete, even including contracts and receipts. Personally, I think we should have this awareness in finance. We have set up branches to manage income and expenditure, so we should clearly distinguish expenditure, and it is best to manage it separately. View the original post "";
Hope to adopt