One of the most important ways to improve in the modern economy is the banking management.It is a set of measures for management of credit institutions with the aim of maximizing profits.It is not enough just to develop some steps to improve the life of the company, we need to function in complex, as a unified system.
With the coordinated work of all banking units should be provided a continuous flow of resources, and most importantly - the balance of assets and liabilities.Bank management performs the tasks set at the micro and macro levels.The first involves the provision of solvency and financial stability of a credit institution, the rational use of all available resources.And at the macro level should be to maintain the stability of the national currency, to develop its importance on the world stage.
if the quality of managers, the bank will be able to overcome any economic ups and downs.So, it is able to establish itself as a reliable and stable organization.This is also oriented and the main goal - making a profit.But any operation involves a certain degree of risk.The more profits will bring one or another transaction, the higher the probability risk.Bank management aims to reduce its level and ensuring minimal losses upon the occurrence of an unfavorable situation.Otherwise, the credit institution may fail not only in a certain field of activity, but in general functioning.That is, there is a great risk of bankruptcy, and this is known to lead to the destruction of the banking system as a whole.After all, the state of a bank depends on all the others, and a fall occurs on the principle of a house of cards.
Thus, competent manager tries to optimize the combination of yield-risk-taking.No surgery is not without risk, it must be, otherwise there is no point in the activities of a credit institution.Bank management - is the simultaneous study of the functioning of each department, analyze the information and the development of specific measures to improve the existing results.And then should exercise control over the effectiveness of measures introduced.
Based on the foregoing, the following function of bank management:
- development of short-term goals and objectives should contribute to the achievement of the strategic plan for the long term;
- careful analysis of all methods of influence on primary and secondary activities of the organization and selection of the most effective;
- competent management of registered capital and the formation of the Fund to protect the bank in case of emergency or to improve the lives of employees.
Bank management operates on the basis of a number of principles.For example, most commercial banks are customer-oriented, that is, the purpose of their activity is considered to be the maximum customer satisfaction.In addition, credit institutions are obliged to adhere to the norms and standards established by the central bank of the country, because it allows you to monitor and regulate the activities of the entire system.Each bank should understand that the risk of any operation must be justified and desirable profit margins protected the reserve fund.
Do not forget that the credit institution operates on the principles of self-financing and self-sufficiency.Managers are responsible for this arrangement in which these principles are fully implemented.
