Differentiation Analysis And Early - Warning Model Design Of Commercial Bank Budget

In modern economy of the21st century,any commercial bank is insaparable frombudget. Only with the budget, in the development of their own economic business, thecommercial bank could have the planning, target and grasp the requirements of theenterprise to the economic environment in practice.But in the actual economicenvironment, we not only need a budget management system to measure the cost ofthe business,but also need a real-time monitoring and prewarning systems tomonitor the implementation of this comprehensive budget management.By discoverthe difference of the various indicators of the comprehensive budget management inthe reporting period to the base period to find out some key and detail problems of thecommercial bank in the current management, for provide data to the theoreticalsupport for further optimization of the management.On the background of the comprehensive budgget management the study forcommercial bank is focuse on the commercial bank budget difference and the designof budget perwarning. The article first describes the management of budget,thedevelopment,substance,meaning of a comprehensive budget management.Thenintroduce the Differential and Chain Suppression Method,this method is being appliedto differentiated analysis of commercial bank of comprehensive budgetmanagement.The paper describes the foundation and principles of the Differential andChain Suppression Method,Then this paper established a budget variance analysismodel of commercial banks,analysis the overall budget management of commercialbank.Finally,rejoined the Balanced Score Card,on the base of commercial bank’sfinancial dimension,the customer dimension,a inner operation dimension,learning andgrowth dimension,design the commercial bank comprehensive budget managementprewarning model.The innovation of this paper is apply the the Differential and Chain SuppressionMethod to analysis the budget difference beteween the comprehensive budgetmanagement,use a new method to mearsure the budget differnce of commercialbank.On the othe hand,the paper design a prewaning model on base of the BalancedScore Card four-dimensional indicators.By optimizing budget variance analysismethods and the establishment of a comprehensive four-dimensional prewarningmodel to improve the commercial bank comprehensive budget management.