Business File Management In Commercial Banks: Theory And Practice

Commercial bank is the important guarantee of the development of socialism with Chinese characteristics economy, along with the reform and opening-up and China’s entry into the world trade organization, commercial Banks has developed rapidly. It can be said that most of the commercial bank of China, was the result of benefit from more than30years of reform and opening-up, from points to the dividend.As the U.S. subprime mortgage crisis in2008, China’s economic impact of large, commercial Banks each index increases the number of slow, non-performing loans and assets defective rate rise sharply. Commercial Banks in a pick up a check reflection, seems to have all these risks is the "market", but in fact is not all because of the "market". The author thinks that during the period of economic upward, because the market situation is good, the risk probability is low, commercial Banks will be a lot of manpower and material resources and financial resources into the market share accounted for, business scale, operating profit increase, neglecting to file management of the business, business archives management become a mere formality, everyone is not willing to do the "dirty work, and hard", only temporarily in check to cope with it. This down, the consciousness of the archives management gradually fade out, that is still not change during the period of economic downturn.This research starting from the theory of file management of commercial bank, commercial Banks combined with himself in the work of the specific circumstances, ultimately rests on the archives management of the practice of commercial Banks. With the development of commercial Banks business records, management status and causes of the status quo of context, by analyzing the actual situation, research results both at home and abroad to come to the conclusion, finally puts forward the proposals and Suggestions to solve these problems.This paper in view of the commercial banking records the solution of the problem existing no echo domestic mainstream research achievements, personally think that how to improve the external hardware, key executes without efforts.And implementation is the core of people, how to solve the problem of people is the core to solve the problem of the archives management of commercial Banks existing, can solve the problem of "people", the other can be conveniently collapse.