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在市场经济条件下,银行财务管理要达到“管而不死、活而不乱”的要求,必须管住宏观、放开微观,也就是提出指令性的宏观财务管理目标、确定财务管理的基本原则和方法、明确财务管理的指令性和指导性指标、建立财务管理的分析指标。注重内部挖潜和效益核算,银行的产品开发、市场进入、固定资产购建、以及资产和负债的安排都必须事先进行成本测算和效益分析。银行必须完成宏观财务管理目标,遵守财务管理的指令性指标。在财务管理的指导性指标和分析指标的指导下,充分发挥积极性和创造性,改善本行财务管理。
Under the conditions of a market economy, the financial management of a bank needs to meet the requirements of “management without death and living without chaos”. It is necessary to control the macroeconomy and liberalize the microeconomics, that is, to put forward the directive macroeconomic management objectives and determine the basic principles of financial management And methods, clear command and guidance of financial management indicators, the establishment of financial management analysis of indicators. Pay attention to the internal tapping potential and benefit accounting, bank product development, market access, purchase and construction of fixed assets, and asset and liability arrangements must be cost estimates and benefit analysis in advance. Banks must meet their macro financial management objectives and comply with the mandatory indicators of financial management. Under the guidance of the guidance and analysis indicators of financial management, we should give full play to initiative and creativity and improve the Bank’s financial management.