The Analysis Of Financial Management Of American Commercial Bank

The financial management of commercial bank is a series of the floorboard ofthe planning and decision-making and control activities of the various financialrevenues and expenditures and operating results occurred in the commercial bankbusiness operation. It’s management content includes budget management andasset-liability management and capital management and cost management and riskmanagement and performance evaluation and so on. The financial management is animportant part of the operation and management activities of the commercial bank.The level of financial management is an important symbol to measure the level of theoperation and management of the commercial bank. The good function of financialmanagement can promote the operation and management of the commercial bank andmake it grow stronger in the incentive competition between the commercial banks andensure the realizations of the given objectives smoothly. On the other hand, it willhave negative effects on the operation and management activities. After a long periodespecially nearly hundred years’ development, the American commercial bank formeda relatively advanced and mature and scientific financial management system. Theyhave a superior management system, that is the “vertical management” and “dualresponsibility system”. The advanced idea of the total cost management is deeplyrooted in the hearts of people. They also have some advanced management methods.They have already realized the shift from financial accounting to managementaccounting. All of these advanced experiences is worth learning for the commercialbanks of our country.With the deepening reform of the financial system and the rapid development ofthe market economy and the sharpening of competition between the commercial banks, the steps of integrating the financial management of our commercial bankwith the western commercial bank become quickly and help improved ourcommercial bank’s standardized and précised financial management level. Thefinancial management of our commercial bank is playing an increasingly importantrole in the operation and management of the commercial bank. In recent years, withthe development of the economy, the scope of its business operations and functionsexpands constantly. The system construction and management is also becoming moreperfect. But on the whole compared with the economically advanced countryespecially the financial management of American commercial bank, the financialmanagement of our commercial bank still exists some problems. We need to activelyimproved those in our future work.Only fully recognize our own shortcomings andlearn others strengths modestly, we can enrich and perfect ourselves and do ourbusiness better.In order to improve the financial management of our commercial bank and raisethe overall level of the financial management and adapt its management to the needsof the development of banking business and market economy, This paper, based onthe theory of the financial management of commercial bank, systematically and fullyanalysis the advanced financial management of American commercial bank includingthe ideas, the content, the characteristics, the principal functions and the methodand summarizes its successful experiences and deficiencies. This paper also analysisin depth the present condition and the main problems of the financial management ofour commercial bank.Some reform proposals for the construction of the financialmanagement system have been put forward in order to help develop more healthily.