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商贸企业集团的倒闭往往是由于违背做企业的基本规律,盲目扩张,导致主辅业不清,亏损巨大。同时企业一旦做大之后,财务风险也加大了,商贸企业集团因现金流断裂而倒下的概率也增加了,为此需要联合集团内部企业进行统一财务管理与资金管理。而随着信息网络技术的发展与广泛运用,使企业资金实行集中管理变为可能。实行资金集中管理能够有效的使用企业的存量资金,能够对资金实行有效的计划管理,使资金使用计划与企业战略规划及预算得到有效的协调,产生资金聚合效应,提高公司效益。本文首先探讨了紧缩银根下商贸企业集团的资金集中管理的要求,然后具体分析了紧缩银根下商贸企业集团资金管理存在的问题,然后论述了紧缩银根下基于备用金拨付与余额控制相结合的企业资金集中管理模式探讨。
The failure of a business enterprise group is often caused by the blind expansion of the enterprise due to its violation of the basic rules of doing business, resulting in unclear primary and secondary industries and huge losses. At the same time, once the enterprise is enlarged, the financial risk also increases, and the probability of the business enterprise group collapsing due to the cash flow fracture also increases. Therefore, it is necessary for the enterprises in the United Group to carry out the unified financial management and fund management. With the development and extensive use of information network technology, it is possible to implement centralized management of enterprise funds. The implementation of centralized management of funds can effectively use the stock of enterprise funds, and can implement effective plan management on funds so that the utilization plan of funds can be effectively coordinated with the strategic planning and budget of the enterprises, resulting in the capital aggregation effect and improving the company’s benefits. This paper first explores the requirements for the centralized management of commercial enterprise groups under the tightened monetary policy, and then analyzes the problems existing in the management of commercial enterprise group funds under the tightening monetary policy. Then it discusses the combination of reserve fund allocation and balance control under the tight monetary policy Discussion on Centralized Management of Funds