What are the objectives of deposit management in commercial banks?

The objective of deposit management in commercial banks is to exercise comprehensive monetary supervision over enterprises, which has played a certain role in supporting enterprise production and improving operation and management.

When an enterprise applies to open a deposit account, it must hold a letter of introduction from the competent department and submit a business license (copy) issued by the administrative department for industry and commerce for verification, and after passing the bank's credit investigation and capital verification, it is allowed to open a basic deposit account. At the same time, sufficient funds should be allocated and the seal card of the financial and accounting supervisor should be submitted. The bank gives a certain interest on the demand deposit as compensation for the use of funds.

Let's sum up a few points:

1. Strengthen the management of the deposit structure and carry out a reasonable layout (mainly refers to the structure of the customer's deposit scale in the bank, the maintenance cost of large depositors is relatively low, but once there is a change, the impact on the bank is greater, and the total maintenance cost of the general deposit scale customer is relatively high, but it has a stable effect on the total amount of bank deposits).

2. Strengthen the integration and innovation of existing deposit products (the combination of deposit products can be regarded as an innovation, attracting customers with the simplest products and higher returns) 3. The management of deposit costs (interest rate marketization is about to be implemented, and banks in the future will no longer rely mainly on the difference between deposits and loans to earn profits, and deposits with higher interest rates will affect the profitability of banks).

Everything is managed with the goal of maximizing profits. The same goes for bank deposit management.

Answers]: a, c, e

Deposit management is the focus of commercial banks' liability management, and the main contents are: the management of the method of absorbing deposits, the management of the interest rate of deposits in full payment, and the management of deposit insurance.

The principle of bank deposit management refers to the regulations on the management of bank deposit business.

1.Depositor identity authentication: The bank requires the depositor to present a valid identity document and authenticate the depositor's identity.

2.Deposit account opening: The bank requires the depositor to open a deposit account and go through the account opening procedures in accordance with the prescribed procedures.

3.Deposit amount limit: The bank has certain restrictions on the deposit amount, and under normal circumstances, the single deposit amount cannot exceed the specified upper limit.

4.Deposit interest rate: The bank will determine the deposit interest rate based on factors such as the deposit term and deposit amount.

5.Deposit term: Banks generally provide a variety of deposit tenor options, such as lump sum deposit and withdrawal, demand deposit, etc. The longer the deposit term, the higher the interest rate on the deposit.

6.Withdrawal limit: The bank will have certain restrictions on the number of withdrawals and the amount of withdrawals, under normal circumstances, the amount of a single withdrawal cannot exceed the specified limit, and there are also restrictions on the number of withdrawals per day.

7.Currency exchange: Banks generally provide currency exchange services, but they will charge a certain fee.

8.Bank card management: The bank will issue bank cards to depositors, and stipulate the scope of use of bank cards, password modification, loss reporting, unlisting and other management regulations.

9.Protection of depositors' rights and interests: The bank will protect the rights and interests of depositors, such as providing deposit insurance services to ensure the safety of depositors' funds.

10.Obligations of the depositor: The depositor is responsible for keeping the password of the deposit account and shall not disclose the password to others, otherwise the depositor shall bear the losses caused thereby.

The specific content of the bank deposit management principles varies from country to country, so it is recommended that you understand the local regulations.

The content of bank deposit management can be divided into the management of bank deposit accounts, the management of bank deposit settlement, and the management of bank deposit accounting according to the different objects of management.

1. Management of bank deposit account: refers to the management of the opening, change, merger, migration, cancellation and use of bank deposit account.

2. The management of bank deposit settlement: it is the core content of bank deposit management, mainly the management of bank deposit receipt and payment business caused by economic activities in Shandong, and the management of bank deposit settlement mainly includes four aspects:

1) The principle of bank deposit settlement.

2) Business management of bank deposit settlement.

3) Discipline and responsibility regulations for bank deposit settlement.

4) Management of bank deposit settlement bills and vouchers.

Deposits are voluntary, withdrawals are free, deposits are interest-bearing, and confidentiality is kept secret for depositors.

This is the basic principle for China's banks to handle deposits, and it is clearly stipulated in the "Commercial Bank Law" and the "Regulations on the Administration of Deposits."

Commercial Bank Law of the People's Republic of China:

Article 29 A commercial bank shall follow the principles of voluntary deposits, free withdrawal, interest-bearing deposits, and confidentiality for depositors in handling personal savings deposit business.

Commercial banks have the right to refuse any unit or individual to inquire, freeze, or deduct personal savings deposits, except as otherwise provided by law.

Mr. Li Kaiyuan will take you to learn the core knowledge points of the banking professional qualification examination, and what are the deposit business rules?

Answer]: a, b, d

This question examines the content of deposit management. The contents of deposit management include: the management of the method of absorbing deposits; deposit interest rate management; The deposit insurance hall is in charge.

Dear friends, the business objectives of a commercial bank refer to the overall goal of business success that the bank achieves by formulating and implementing a series of specific goals in order to achieve its mission and vision. The business objectives of commercial banks usually include the following aspects: profit objectives:

The primary goal of a commercial bank is to be profitable. Banks need to increase the value of their assets through liquidity management and asset allocation, while at the same time ensuring the profitability of banks by reducing costs and improving profit margins. Risk Control Objectives:

Commercial banks need to control risks and prevent possible losses caused by credit defaults, market risks, operational risks, etc. Therefore, commercial banks need to formulate sound risk management systems and processes, and ensure the realization of risk control objectives through the implementation of scientific and effective risk control measures. Market share target:

Commercial banks need to gain more market share and expand their business scope. Banks can attract more customers and increase their market share by launching a variety of innovative financial products and services, expanding channels, and improving customer experience. Social Responsibility Objectives:

Commercial banks need to assume the social responsibility of sending travel and make contributions to customers, shareholders, employees and society. Banks can fulfill their social responsibilities by promoting green finance, actively participating in public welfare undertakings, and improving employee welfare. The above four goals are interrelated, and achieving one goal will also have an impact on the other goals of the dust stool.

For example, achieving profitability targets can provide banks with more resources to support them, which in turn can expand their business scale and increase their market share. Effective risk control can avoid losses caused by risks, thereby ensuring the profitability and stability of the bank. Therefore, when formulating business objectives, commercial banks need to take into account the importance and relationship between each objective, ensure that each objective is coordinated with each other, and achieve the overall business objective.