most important element of the banking system is considered the organizational structure of the bank.It is a complex of different services and departments, each with its own direction, object and purpose of the operation, but it is working closely with all the others.On how well built and smoothly running the organizational structure of the bank, its success depends on the market and the ability to enter into profitable deals.Before
leader has a difficult task on the formation of departments and services that are needed in this economic situation.In addition, they should ensure efficient operation of units, and it requires strict control and discipline.
In general, the structure can be divided into two large blocks: internal and external.The first involves various departments, services and other.A group of external structure includes an extensive network of branches of various subsidiaries, offices and similar organizations.
management structure of the bank assumes that the departments that could as soon as possible to resolve emerging issues and problems, promptly react to changing market conditions, to monitor the implementation of clear subordinate entities of its tasks.In addition, the control system should be to assess the main indicators characterizing the efficiency of all credit institutions and on the basis of the analysis to implement measures to improve the current activities.
Most commercial banks are joint stock companies.Therefore, the highest body of governance of the institution is generally considered the Board of Directors.He's going to, as a rule, once a year to address the major issues and problems in a matter of urgency, in the event of unforeseen situations.
as the governing department performing executive function, acts board.Chairman of the Bank appoints his deputies and organizes the most important departments.It is directly interested in the success of the credit institution, as the sole responsibility before the shareholders' meeting.
It is known that 80% of all banking transactions takes credit activities, the organizational structure of the bank therefore can not exist without quality credit department formed.The department carries out extensive work to establish specific requirements for potential borrowers, loan classification, diversification of interest rates for different types of loans, reducing the risk of non-repayment of funds, and more.
Bank's organizational structure is established each company at its own discretion and is fixed in its accounting policies, but be sure to include the department of work with legal entities and individuals, deposit department, accounting department, cash department, security and economic security.
largest commercial banks form their own audit department that monitors the accuracy of the reporting and analysis of performance indicators, which greatly enhances the prestige of the bank in the international arena.
As the most striking example in our country can be identified Savings Bank of the Russian Federation.He is also the joint-stock company, but organized by the state, so considered to be one of the largest lending institutions.The structure of the Savings Bank of Russia is formed in such a way that the main shareholder is the National Bank of the country, which has a 50% stake in the authorized capital.The rest of it was distributed among businesses and even individuals.It is the only bank in the country, which is endowed with guarantees of reliability on the part of the state.
