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首页> 外文期刊>AESTIMATIO: the IEB International Journal of Finance >An Efficient Liquidity Management for ATMs
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An Efficient Liquidity Management for ATMs

机译：ATM的高效流动性管理

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Bank liquidity management has become one of the main concerns of a bank during the financial crisis as liquidity shortages have put pressure on banks to diversity and improve their liquidity sources. Then, any programme of optimization of activities involving liquidity management are relevant issues as any significant improvement in cash ma nagement at the bank distribution channels may have positive effects in reducing liquidity tensions. Among these activities, there is cash management in ATMs. The purpose of this paper is to decide the optimum amount of money that will be placed in the ATM for minimizing opportunity costs as well as satisfying the customers uncertain demand. We propose a simple programme, easy to implement, which substitutes the actual method used by the branches (historical data).Our methodology is based on a simple dynamic model which describes and predicts the movements of the ATM cash flow, and whose equations have the capability of easily being changed if either the customers habits or the ATM rules of functioning change. The stochastic elements have been integrated in the model before applying suitable optimization programmes to all the costs involved. Some aspects of the Transaction Demand for the Cash are also present.
机译：在金融危机期间，银行的流动性管理已成为银行关注的主要问题之一，因为流动性短缺对银行施加压力，要求其多样化并改善其流动性来源。然后，任何涉及流动性管理的活动优化计划都是相关问题，因为银行分销渠道现金管理的任何重大改善都可能对减轻流动性紧张产生积极影响。在这些活动中，有自动柜员机的现金管理。本文的目的是确定将放置在ATM中的最佳金额，以最大程度地降低机会成本并满足客户不确定的需求。我们提出了一个简单易行的程序，该程序可以替代分支机构使用的实际方法（历史数据）。我们的方法基于一个简单的动态模型，该模型描述并预测了ATM现金流量的变化，其方程式具有如果客户习惯或ATM功能规则发生变化，则很容易更改。在将适当的优化程序应用于所涉及的所有成本之前，已将随机要素集成到模型中。现金交易需求的某些方面也存在。

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