| Facing fierce competition, Liaoning Province branch of the Post Saving Bankstill maintained a steady growth of the business. With business developing, LiaoningProvince branch of the Post Saving Bank shows a good momentum of growth. At thesame time, in the rapid developing of the business, there are also some problems inthe management. So, Liaoning Province branch of the Post Saving Bank needs tocause attention.From the revenue perspective, the Liaoning Province branch of the Post SavingBank business income ranked eighth across the country, an increase of listed seventhin the country. And gold revenue ranking is tenth in the nation. The income depositspreads out of the tenth, credit income ranks fifth, retail credit balances listedseventh in the country; the small business loan balance ranks twelfth. Income of thecompany listed eleventh in the country, ranking eleventh in the nation, the balance ofrevenue bills, ranking sixth in the nation, international revenue ranking fifth in thenation. From a cost point of view, Liaoning Province branch of the Post Saving Bankbusiness spending increased by1254000000, growth of60.9%. Among them, thebusiness and management fees accounted for79.3%of spending. Impairment loss ofassets of the expenditure;16.4%; business tax and additional expenditure accountedfor4.4%.So, Liaoning Province branch of the Post Saving Bank business managementlevel is still high. But there are still financial foundation is weak, accounting processis not in place, lack of investment management and other aspects of the problem, so the fund pressure increasing. Increasing amount of funds occupied daily in LiaoningProvince branch of the Post Saving Bank growth, investment, leasing renovationcosts amortization of capital, to have a serious impact on the normal operation ofenterprises, under the jurisdiction of the municipalities also generally feel theshortage of funds, the funds do a good balance between development andconstruction, financial management is extremely urgent new topic.The main reasons for these problems are in two aspects, one is the lack ofLiaoning Province branch of the Post Saving Bank of financial managementrefinement, to the county line, the two branch of cost and profit accounting is not inplace, can not the implementation of county line, branch management and evaluationto the profit center. At the same time, restricting the Liaoning Province branch of thePost Saving Bank is also subject to the overall lack of staff, in the financialmanagement personnel configuration cannot meet the demand of fine. The two is thedifference of Liaoning Province branch of the Post Saving Bank in the understandingof budget. Reflected in the failure to correct view of profit index, not a correctunderstanding of the economic capital cost, failed to correctly understand and dealwith "the fixed rate, a new income distribution pattern grading accounting".To this end, Liaoning Province branch of the Post Saving Bank has formulatedspecific measures of financial management optimization. The optimization goal, torisk control principles, to play a guiding role of Finance and budget, and continue topromote the reform of related financial. In the method, using technological means, inorder to computerization, strengthen supervision means. On this basis, LiaoningProvince branch of the Post Saving Bank developed a budget as a starting point, thecentralized management and control of funds as the means, the fine management asthe goal, the level of statistical analysis and management for the protection, teambuilding as the key optimization scheme of financial management.In order to protect the Liaoning Province branch of the Post Saving Bank financial management smoothly, it is necessary from the aspects of policy support,the combination of professional transformation and integration requirements, toprovide guarantee for the capital demand financial management optimization; clearthe financial management optimization goals, strict cost control, the establishment ofmulti-level incentive mechanism, conscientiously fulfill the investment managementand finance accounting process. Provide a solid guarantee for the optimization ofLiaoning Province branch of the Post Saving Bank of financial management. |
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