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随着近几年市场上银行业的不断发展,各大商业银行内货币时间价值以及风险价值观念的逐步普及,商业银行的管理者对于财务管理机制的构建开始重视起来。从目前我国商业银行内部财务管理的情况来看,相应的财务管理制度仍不够完善、执行力不足、财务管理效率低等都是存在的一些严重问题。而全面预算管理作为财务管理中的重要内容,在商务银行财务中的实际应用并没有充分发挥出应有的效果。因此,本文首先分析了我国商业银行的财务管理方式和其存在的局限性,然后在此基础上对全面预算管理在商业银行财务中的具体应用进行了探讨。
With the continuous development of banking in the market in recent years, the time value of money in major commercial banks and the gradual popularization of risk value concept, the managers of commercial banks begin to pay attention to the construction of financial management mechanism. Judging from the current situation of the internal financial management of commercial banks in our country, the corresponding financial management systems are still not perfect enough, and the lack of implementation and inefficient financial management are some serious problems. As an important part of financial management, the actual application of total budget management in the finance of commercial banks does not give full play to its due effect. Therefore, this paper first analyzes the financial management of commercial banks in our country and its limitations, and then discusses the concrete application of total budget management in commercial banks.