各路英雄可否帮小弟解释一下资产池的概念?

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各路英雄可否帮小弟解释一下"资产池"的概念?

今天在看一篇关于我国银行的流动性困境的文章中对"资产池"的概念模糊,拿出来请教一下各路好汉

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关键词：流动性 资产 概念 解释 小弟 英雄

Cash pool的概念就是将银行所有期限和种类的cash inflow & outflow作为一个整体。cash不但是包括现金，还应包含其他可变现的资产，如证券、存款等。

为什么要采用？

答：在资产与负债无一一对应的情况下，流动性管理的关键就是看现金流。

Cash Pool – is a sophisticated effective cash management solution. It helps to optimise the interest results within a group of companies or in the accounts of a multi-branch company. It greatly improves the group’s result on interest when compared to separately investing of surpluses and paying the cots of financing by individual account holders within the system. Several variations of this product are available in the ABN AMRO offer – each adapted to different organizational structures – allowing for the most beneficial interest on the funds in the account.

APPLICATION (or what does it do…)

The Cash Pool system, and especially Zero Balancing, is most frequently used in the case of a group of businesses or a business with many branches, if the financial management at the branches (in the case of Zero Balancing) results in the need to maintain several current accounts or sub-accounts. Zero Balancing is also applicable in the case of managing cost and profit centres, accounts serving various groups of products or services offered by a company, segments of the market, geographic areas, etc. It is also applicable in the normal linking of the main account with a sub-account (e.g. Payroll) so that there is no need to transfer funds from the main account on each occasion.

OPERATIONAL PRINCIPLES (or how do you do it…)

Cash Pool involves the physical balancing of previously designated accounts. In the case of Zero Balancing there are many options available for balancing accounts. ABN AMRO adapts its offer to the individual needs of the client.

ADVANTAGES (what is there for me…)

• Better interest rates
• Automation – a single instruction (in the form of an agreement)
• All operations are conducted in one day.