华夏银行北京分行全面预算管理问题研究.pdfVIP

摘 要 当前，经济环境越来越复杂，商业银行作为和企业一样的市场经营主体，在我国社会中面临更 加激烈的竞争压力。全面预算是企业在一定时期内各项业务活动、财务表现等方面的总体预算，作 为一种全流程的财务治理机制，对于提高商业银行经营治理水平和危险控制能力具有积极的作用。 在发达国家，全面的预算治理体系已经成为企业运营治理中必不可少的一部分。然而，对于我国商 业银行来说，全面预算还处于比较初 的阶段。因此对于商业银行而言，研究并更好的实现全面预 算治理应是商业银行在当前国内市场环境下主要完成的任务。 商业银行如果想要适应当前金融市场的激烈竞争并保持自身优势、实现良性进展，一定建立起 上下协调、统一有序的预算治理体系，这不仅是商业银行治理体系的重要内容，也是银行经营打算 的重要组成部分。与此同时，商业银行还需要加强他们自身的经营治理责任，提高他们的业务能 力，明确责任权属并不断提高他们的经营水平。 本文将结合商业银行整体的情况，以华夏银行北京分行为案例，对于北京分行的日常经营绩 效、经营战略以及财务成果的数据进行分析，以此来发觉北京分行在全面预算治理实施中存在的 问 题，并对存在的 问题提出解决思路。 关键词 ：商业银行，全面预算治理，措施 Abstract At present, the economic environment is becoming more and more complex, and commercial Banks, as the same market operation subjects as enterprises, face more and more intense competitive pressure in our society. Overall budget is the enterprise in a certain period of business activities and financial performance of the overall budget, as a whole process of financial management mechanism, to improve the level of commercial bank management and risk control ability has a positive role. In developed countries, comprehensive budget management system has become an indispensable part of enterprise operation management. However, for Chinas commercial Banks, the overall budget is still at a relatively preliminary stage. Therefore, for commercial Banks, the research and better implementation of comprehensive budget management should be the main tasks of commercial Banks in the current domestic market environment. Commercial bank if you want to adapt to the current fierce competition in the financial markets and maintain their own advantages, realize the benign development, must establish the harmonious, unified and orderly budge