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Cash flow problems and thinking

With the development of market economy, the market circulation in cash demand continues to increase, both banks, enterprises and institutions of the cash, or individual, privately owned and the residents of cash are growing in. The presence of large amounts of cash, as the people's daily economic exchanges to provide fast, convenient means of settlement. However, in market circulation of cash in circulation, cleanliness and so on also exist some problems, it is thoughtful.

A correct understanding of the problems in the circulation of cash

Increasing the amount of cash. Because of the economic subject behavior uncertainty, coupled with people's economic exchanges use large amounts of cash, bank deposit, resulting in some units, private enterprises and self-employed over-represented retained cash. General bank most cash is in 6000000 yuan of above, the least commercial banks for cash in 500000 yuan. Enterprises and institutions of the cash from the past several thousand yuan to now several million yuan or even hundreds of thousands yuan.

Residents hold cash increase. From the current level of interest rates low and people pay habit, people still retain a substantial cash for daily expenditure, this was the most prominent in the country. According to the survey, residents of cash from hundreds of yuan to several thousand dollars.

Cleanliness of low. According to investigation, market of cash in circulation and neat degree is generally low, stains serious damage, sometimes even affect the cash as a means of payment functions, in the purchase of goods when people are not willing to accept this cash.

Coupons do not unreasonable structure. In recent years, the market circulation of cash to 100 yuan denominations cash, and coins, as well as a yuan, two yuan coupon relative reduction. The main reason is the people's Bank of China on the less, on the other hand, some people in the speculation, hoarding and profiteering. In addition, there is a portion of the coin in the piggy bank deposit.

The damaged RMB exchange hard. At present, some grassroots agency exchange personnel hand because do not master paper money exchange standard, the fear of liability and not to change; on the other hand, do not want to exchange, afraid of trouble, resulting in the hands of the people can not get timely exchange of paper money, appeared to change difficult phenomenon.

To solve the problems in the circulation of cash

To determine a reasonable inventory limits, cogent raise economic benefits. Cash is a non interest-bearing assets, to determine a reasonable inventory limits, to improve the economic efficiency of enterprises is of great significance. Cash, will directly affect the enterprise's profit, cash, cash flow is not open, will also affect the development of enterprises. In general, bank to minimize inventory, to ensure that the payment is appropriate; account unit should be scientific and reasonable retained cash, both to ensure normal pay cash, also can accelerate cash flow.

Efforts to improve the quality of service, aggregation of social idle capital. Each company to service quality fluctuation, extensive digging Chu Yuan, firmly establish the" customer first, customer first" thought, take effective measures, and continuously improve service quality, through the establishment of diurnal, active extension business hours; by increasing the convenience measures, such as convenient depositors. The improvement of the service quality will make people idle hands of cash and timely bank deposit.

Increase the damage bill collection, improve the RMB cleanliness. People's Bank of China shall strengthen anti false propaganda, hold regular training to improve things, its recognition ability, master exchange standard. To give full play to the role of exchange window, timely exchange market injury coupons, ensure the neatness of the rmb.

Combined with the cash flow situation, with the renminbi notes. The people's Bank of China shall timely transfer bond complete issue fund, according to market economy development on cash coupon other needs, timely delivery of cash, ensure market rates, it is reasonable to supply. At the same time, the people's Bank of China shall strengthen the publicity and supervision, and effectively prevent speculation phenomenon.

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With the development of market economy, the market circulation in cash demand continues to increase, both banks, enterprises and institutions of the cash, or individual, privately owned and the residents of cash are growing in. The presence of large amounts of cash, as the people's daily economic exchanges to provide fast, convenient means of settlement. However, in market circulation of cash in circulation, cleanliness and so on also exist some problems, it is thoughtful.

A correct understanding of the problems in the circulation of cash

Increasing the amount of cash. Because of the economic subject behavior uncertainty, coupled with people's economic exchanges use large amounts of cash, bank deposit, resulting in some units, private enterprises and self-employed over-represented retained cash. General bank most cash is in 6000000 yuan of above, the least commercial banks for cash in 500000 yuan. Enterprises and institutions of the cash from the past several thousand yuan to now several million yuan or even hundreds of thousands yuan.

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