Research On The Construction Of Financial Culture Of Grass-roots Commercial Bank

Nowadays it is hard to remain invincible for commercial banks through innovation in business,technology or tools since the financial reform develops both in scope and in depth,the capital flow is increasingly free and the industry competition comes into perfervid condition in our country.In the future,the position of culture will be strengthened as the commercial bank's core competitiveness.Building financial culture,which is one of the important sub-culture in the system of the commercial bank enterprise culture,will eventually become a major issue in the commercial bank financial management.Although the grass-roots commercial banks are often ignored by people as basic bank business nodes,many cultural formation and nurturing experiences show that the grass-roots unit is the important source and carrier for culture production and development,especially when the financial culture construction is in its infancy and lack of specialized studies,the construction practices are almost spontaneous and blind,the purposeful,organized large-scale systematic construction of financial culture has not yet launched as currently in our case in China.In this context,researching grass-roots commercial bank's financial culture construction is not only needed to optimize grass-roots commercial bank's financial self-management,but also needed to shape the bank's overall financial culture,simulate the vitality of financial management and enhance the core competitiveness.At present there are abundant discussions and study results focus on financial culture at home and aboard.Some companies have also launched related exploration and practice,which furnishes the construction of grass-roots commercial bank financial culture with theoretical support and practical reference.This article relies on existing research results in the field of financial culture and combines with the author's business experience in grass-roots bank.The analysis and discussion are focus on the construction of grass-roots commercial bank's financial culture.Firstly this article reviews the results of financial culture theoretical studies and gives a detailed explanation about financial culture.Afterwards it put financial culture into the frame of commercial bank and analyse the connections and interactions between the corporate culture and financial culture of commercial bank.Furthermore,it expands to the field of building financial culture in grass-roots commercial bank,elaborates its significance to bank's overall financial culture,analyzes its disadvantages and lists relevant factors.On this basis,it explores the purposes,principles,procedures and essentials for the construction of grass-roots commercial bank and puts forward some suggestions and recommendations.