Research On Financial Management Of Small And Medium Stock Banks

The tendency of marketization, globalization, financialization and virtualization of the world economy accelerate reform and innovation of the global finance, which promote model of our commercial banks to shift. The modern commercial banks aiming at" maximize the value of enterprise" and "maximize the interests of stakeholders" are committed to innovate business ideas, strengthen financial management, especially the overall cost management, thereby enhancing economic efficiency. Based on the analysis of advanced financial management concepts, tools and financial analysis of commercial banks in advanced country, the article aims to try to define finance management target and concept, to reinforce scientific and technological support, to strengthen budget management and financial analysis by compare them with a representation of Hua Xia bank branch in Ordos used as Chinese small and medium-sized joint-stock commercial banks. Joint-stock commercial banks in China want to survive and to adapt to the financial needs of market competition in the global financial, we must learn advanced management concepts from commercial banks in advanced country, establish a new concept of financial management and creat a new financial management model. We should create financial management model with Chinese characteristics by researching earnestly the differences and the problems in financial management between joint-stock commercial banks, especially small and medium sized joint-stock commercial banks in China and commercial banks in advanced country. As long as we are able to maintain a positive attitude in looking to develop a scientific strategy to enhance the management level of refinement, our joint-stock commercial banks can walk out and establish their own branches to seek for development by competitive differentiation.