Study On Comprehensive Budget Management Of A Rural Commercial Bank

As an important means of modern enterprise management,comprehensive budget management has been adopted by well-known domestic and foreign companies.Standardized budget management helps to optimize the allocation of enterprise resources,improve the efficiency of enterprise operations management,and help companies achieve strategic goals and strategic implementation of the coordinated advance.At present,the budget management process of some rural commercial banks in our country pays more attention to the realization of the three major financial budget goals,while ignoring other budget targets.At the same time,the budget targets are out of line with the company's strategic goals,and the budget preparation is out of touch with the actual situation of the company.It restricts the functioning of the overall budget management.The implementation of the normative budget management system will help rural commercial banks to activate cash flow,reduce capital occupation costs and opportunity costs,and improve management efficiency.At the same time,it also helps to more comprehensively and accurately understand and control the risks faced by the rural commercial banks in the course of management and management,enhance the competitiveness of rural commercial banks,and enable rural commercial banks to provide better and faster development while providing services to customers.For this reason,this article uses literature research methods,comparative analysis methods,and case analysis methods,and uses A-city rural commercial banks as examples to study the issue of comprehensive budget management.First of all,this paper summarizes the research results of budget management and expounds the content of comprehensive budget management.Secondly,it introduces the general situation of rural commercial banks in A city.Based on the analysis of the status quo of budget management in A city's rural commercial banks,it summarizes many problems existing in A city's rural commercial banks and proposes a series of improvement measures for this series of problems.Finally,this article summarizes the entire research process,with a view to improving the overall budget management of A City Commercial Bank and even the entire industry.This paper takes the implementation of comprehensive budget management of rural commercial banks in A city as a case.Through the analysis of the whole process of budget management implementation and the combination of standardized comprehensive budget management theory,we can find that rural commercial banks in A city lack the understanding of comprehensive budget management.,lack of strategic guidance for budget management,imperfect budgeting,lack of information systems that match budget management,budget executors failing to fully implement budget management objectives,lack of an effective control oversight system,inadequate budget assessment and incentive mechanisms,and many other issues.In response to this series of issues,it includes the establishment of a comprehensive budget management concept,the establishment of a sound and comprehensive budget management system,the strengthening of strategically oriented and clear comprehensive budget management objectives,the establishment of a sound budget preparation table,and the acceleration of the promotion of the modern informationization management of A City Rural Commercial Bank.,strengthen budget management implementation and control,establish and improve the budget assessment mechanism and other related improvement measures.This plays an important role in strengthening A City Rural Commercial Bank's full implementation of budget management,giving full play to the role of a comprehensive budget,continuously improving the operational performance of all departments,and achieving a healthy and sustainable development of the Bank,and also has certain certainty for other rural commercial banks to implement comprehensive budget management.Reference function.