Bank is a commercial organization, which aims to raise funds in the form of money, as well as their placement on return.Of course, the organization of the commercial bank by a special board, which is fully responsible to the board of the bank and the general meeting.This consists of such representatives who take larger positions.In such a concept as the organizational structure of the commercial bank, can distinguish that it can be adjusted in various ways, which depend on the size of the pot, the number of clients on the operations performed, the number of provided services and many other areas.
organization of commercial bank - this is not the only software on the part of the board to support banks, but also the coordination of the various banks.There are principles that are aimed at the organization of the commercial bank to work properly.There are the following principles:
- Bank should really work on the basis of its available resources.
- need for economic independence, in which banks are responsible for their activities.
- All the relationships that occur between the customer and the bank, based on the market relations in the course of which is determined by the liquidity risk and profitability of the bank.
- The bank can be controlled only by economic methods, but not administrative.That is, the state offers methods, but these methods take or not - the choice of each bank.
most important questions on such areas as the organization of the activities of commercial banks, the Council decides that a representative of the shareholders and owners of the bank.The duties of the Board are a number of important areas, but most importantly - to ensure the necessary level of return on invested capital.The Council must also take care of simple client.The main functions of the Board include - identify strategic objectives and functions of banks and to create a policy.
Commercial Bank, when compared with other similar companies, identifies several socio-economic entities.First - this is something that the bank serves as a tool for making any financial transactions.The second - is that the bank itself is one of the subjects of economic relations.Third - this is what the bank is a storage of cash.For example, obtained by the deposit money from the public, the bank collects the total amount that can later be used to achieve the bank's goals.Fourth - is that the bank may be a distributor of funds, directing these funds into lending or other services.And the fifth - is that the bank can be performed as an information tool.It can be any customer information about their account status, the status of any operation, and other information.Thus, the organization of the commercial bank carries out a lot of processes.
Regarding the concept of the organizational structure of the commercial bank, it is the most important component for the successful achievement of the objectives.The success of the bank depends on the relationship between subordinates and superiors, as well as the level of organization of the commercial bank.Acting in various market conditions and specializing in different types of services, organizational structures of banks are also different among themselves.Each organization of the commercial bank has its advantages and disadvantages, which are recorded when one of the ways the organization.
