摘要
当前社会随着金融经济的快速崛起，各种形态的金融资源相继出现，而现金
又是各个金融资源中最重要、最不可或缺的一个环节。随着利率市场化和金融
国际化的快速发展，当前的商业银行经营遇到了内部和外部的压力，库存现金
管理是商业银行流动性资产管理的核心环节，关系到高成本的运营管理费，现
金风险，客户满意度，银行的信誉等。而大部分商业银行现行的库房现金运营
模式仍只是停留在依靠行内手工作业模式上，导致商业银行非盈利性资产的现
金运营管理依旧发展缓慢，较多的操作风险始终制约此项业务的发展

本文首先对国内外大量库存现金管理、扁平化管理文献进行梳理与分析。通
过对库存管理流程、现金持有理论、扁平化模式等相关理论基础的研究，通过
中国邮政储蓄银行宁波分行在现金库房运营管理中的现状分析，发现其目前的
现金作业模式造成行内大量的内部损耗，并且使现有的库存现金管理流程效能
低下，甚至可能存在一定的操作风险。在此基础上研究以中国邮储银行宁波分
行为例，结合相关理论基础和大量的文献研究，探讨了一种新型的现金运营管
理模式，即通过现金库房作业外包模式实现全行现金运营扁平化管理的创新的
现金运营模式，把现金库房后台现金集中清分、归集等一系列工作全部转移给
专业的现金服务外包公司，同时通过配备行内自助研发的电子缴拨系统，依托
外包公司运营体系实现网点与一级分行缴拨关系的扁平化管理

目前商业银行基本都采用现金库房自主管理的模式，而中国邮政储蓄银行宁
波分行作为宁波辖内第一家，也是中国邮政储蓄银行全国分支机构内第一家实
现现金库房外包的商业银行，经过验证此外包模式加快了现金运作速度，提升
了现金周转率，降低运营成本，减少了一部分操作岗位，优化了行内劳动力配
置，事实证明此举也适当规避了现金作业操作风险，提生了同欧亿·体育（中国）有限公司地位，现金
运营的外包模式值得在同欧亿·体育（中国）有限公司内推广

关键词：库存现金管理，扁平化，外包模式，现金运营
宁波大学专业硕士学位论文I
Research on Commercial Bank Cash Operation
Outsourcing and Flat Management - Taking XX Bank as an
Example
Abstract
The current society with the rapid rise of the financial economy, various forms of financial
resources have emerged, and cash is the most important financial resources, the most indispensable
part. With the rapid development of interest rate marketization and financial internationalization,
the current commercial banks have experienced internal and external pressure. Cash management
is the core link of the liquidity management of commercial banks, which is related to the high cost
of operation and management fees and cash risk, customer satisfaction, bank reputation and so on.
And most of the existing commercial banks cash warehouse operating mode is still only dependent
on the hands-on mode of operation, resulting in commercial banks, non-profit assets, cash
management is still slow to develop, more operational risk has always constrained the development
of this business.
This paper first combs and analyzes a large number of cash management and flat
management literature at home and abroad. Through the analysis of the existing theoretical basis of
the inventory management process, the current holding theory, the flat model and so on, through
the analysis of the status quo of the China Postal Savings Bank Ningbo Branch in the operation and
management of the cash warehouse, it is found that the current cash operation mode causes a large
number of internal Loss, and make the existing inventory cash management process inefficient,
and may even have some operational risk. On the basis of this, this paper studies the Ningbo
Branch of China Postal Savings Bank as an example. Based on the relevant theoretical basis and a
lot of literature research, this paper explores a new type of cash operation and management model,
that is, through the cash warehouse operating outsourcing model to achieve full cash operation flat
management of the cash flow of innovative business model, the cash warehouse background cash
collection, collection and a series of work all transferred to the professional cash service
outsourcing company, at the same time through the line with self-developed electronic payment
system, relying on outsourcing company operating system To achieve the network and a branch of
the relationship between the flat management.
宁波大学专业硕士学位论文商业银行现金运营外包与扁平化管理研究-以XX 银行为例
II
At present, commercial banks have adopted the model of self-management of cash warehouse,
and China Postal Savings Bank Ningbo Branch as the first in Ningbo jurisdiction, but also the
China Postal Savings Bank branch in the country to achieve the first cash warehouse outsourcing
commercial banks, verified In addition, the package model to speed up the cash operation speed,
improve the cash flow rate, reduce operating costs, reduce part of the operational positions,
optimize the line of labor allocation, the fact that this also appropriately circumvent the cash
operation risk. The cash operation of the outsourcing model is worth to promote in the same
industry.
Key Words：Inventory cash management, Flat management, Outsourcing model,
Cash operationIII
目 录
1 绪论 ......... 1
1.1 论文选题背景和意义 .......... 1
1.1.1 选题背景 ........ 1
1.1.2 选题意义 ........ 2
1.2 国内外研究现状 ..... 3
1.2.1 国外研究现状3
1.2.2 国内研究现状5
1.3 研究内容与方法 ..... 7
1.3.1 研究内容 ........ 7
1.3.2 研究方法 ........ 8
1.3.3 研究思路 ........ 8
2 现金运营理论基础 ........ 10
2.1 库存管理理论 ....... 10
2.2 现金持有理论 ....... 11
2.2.1 现金库存持有动机理论 ....... 11
2.2.2 现金库存持有的权衡理论 ... 11
3 现金运营管理现状 ........ 13
3.1 人民银行监管与同业竞争环境 ..... 13
3.1.1 钞券质量与设备要求严格 ... 13
3.1.2 现金代理缴存困难 ... 13
3.1.3 大量现金回笼清分难度大 ... 14
3.2 库存积压与人力成本 ........ 14
3.2.1 库存积压成本严重 ... 14
3.2.2 人力成本效率低下 ... 15
3.3 现金运营风险评价15
3.3.1 尾箱寄库风险 .......... 16
3.3.2 金库建设与维护风险 ........... 16
3.3.3 同业账户操作风险 ... 16
宁波大学专业硕士学位论文商业银行现金运营外包与扁平化管理研究-以XX 银行为例
IV
3.3.4 对外误付假币风险 ... 17
4 现金运营外包模式方案设计 ...... 18
4.1 外包模式方案与做法 ........ 18
4.1.1 外包公司现状 ..
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