Optimization Of Budget Management Of The Commercial Bank

In recent years, Chinese commercial banks are facing the business environment isbecoming more and more serious, the international financial market turmoil intensified. Theopportunity and challenge coexist, the Commercial Bank of our country, especially how tostart up the commercial banks and small and medium-sized banks will establish its ownstrategic direction, how to occupy a space for one person in the fierce market competition athome and abroad and develop business will be the eternal subject of commercial bank. Theprofit of commercial banks to achieve sustainable steady growth in addition to the effectiveimplementation of theoverall strategic objectives, the more important is to strengthen budgetmanagement. I have engaged in the financial management in YC bank, the importance forcommercial banks to implement the budget management has aprofound understanding andexperience.This paper is based on the key points of budget management in YC bank, firstintroduced the current situation of budget management in our commercial banks, this paperdiscusses the significance of budget management advanced commercial banks; secondly,from the aspects of budget management system framework, basic principle, overall goal,implementation method, presents the relevant theory of budget management; third, to YCbank budget management as an example, in its business strategy analysis andImplementation on the basis, propose optimization solution of budget management of thecommercial bank, including organizational structure, system, system construction, theauxiliary analysis level; finally, put forward the guarantee measures of budget managementoptimization of YC bank.In this paper, the induction analysis method and case analysis of combiningresearchmethods used in the. Through comparative analysis of function andbusiness process oftraditional and modern budget management, put forward theresearch emphases andCountermeasures of budget management and cost controlconditions based, practical to meetthe actual needs, can effectively guide the work. In this paper, further strengthen the relativeimportance of budget management, budget management and development strategy ofcommercial banks for the rational allocation of resources, introduction of strengtheningperformance appraisal systemand auxiliary analysis of the budget implementation networkprofit and loss calculation, monthly cost control, better reflects the requirements to maximize thevalue of the budget management. Analysis of the implementation of the YC bankbudgetcase, discusses the operation of the implementation of relevant indicators of budgetmanagement and cost control, management idea into full, full in the budgeting process,systematically completed commercial bank budget cost driversand the establishment basis,has strong practical significance, practical.