Research On Optimization Of Financial Data Statistics Management Of ZJ Rural Commercial Bank

Financial data statistics are an important basic tool for regulators to strengthen macro-prudential management,formulate monetary policies,guard against financial risks and maintain financial stability.In recent years,China’s financial data statistics has made some achievements,but some protruding problems still exist such as separated statistical system,no-unified statistical standards,single statistical technique,scattered data organization,imperfect basic data,etc.In banking financial institutions,under the influence of the management consciousness of "business leading",the statistical management of financial data has not been fully paid attention to,the statistical function has not been fully reflected,its management is still limited to the traditional "statement management" mode,and there are still deficiencies in the advanced statistical technical tools,methods and analytical applications.In this paper,the present situation,experience and optimization recommendations of financial data statistical management home and abroad are summarized,and conducts a thorough study of relevant concepts of financial data statistics,total quality management,statistical quality management and data management theories,providing a theoretical basis for this study.This paper takes the statistical management of financial data of ZJ Rural Commercial Bank as the case in study,and the main contents are as follows:First of all,this paper analyses the development of ZJ Rural Commercial Bank and its basic statistical management of financial data in terms of organizational structure,statistical system,system construction,submission content and process and other aspects.Secondly,this paper induces the problems appearing in the statistical management of financial data of ZJ Rural Commercial Bank,then analyzes its reasons.It mainly uses comparative analysis method and case analysis method.The main problems are the poor quality of information construction and statistical quality of financial data statistical management,for which the reasons are the defects in the organizational structure of financial data statistical management,the weak independence of business source system,the lack of financial data statistical standardization and the low comprehensive quality of statisticians.Finally,from the perspectives of management,technology and application,this paper puts forward four optimization countermeasures for the financial data statistical management of ZJ Rural Commercial Bank: to promote the construction of the centralized management platform system for financial basic data and the statistics submission platform system,and to improve the rate of automatic extraction of the system;Establish standardization of financial data statistics;Carry out financial basic data governance,improve the quality of statistics;Increase the application and analysis of financial data statistics;At the same time,two safeguard measures are put forward: to perfect the construction of financial data statistics management system and strengthen the implementation of the system;Strengthen training,improve the comprehensive quality of statisticians,implement incentive assessment and promotion mechanisms,and stabilize the statistical team.It is hoped that through the above strategies,the statistical management level of financial data of ZJ Rural Commercial Bank can be improved.