Table of contents (expand)
- The credit system of the Russian Federation: essence, structure, meaning
- Legal basis for the activities of banks in the Russian Federation (Laws "On banks and banking activities", "On the Central Bank of the Russian Federation (Bank of Russia)")
- Central banks, their functions (western model)
- Functions of the Central Bank of Russia
- Passive and active operations of the Central Bank of the Russian Federation
- Monetary regulation of the economy by the Central Bank (Western and Russian models)
- Regulation and control by the Central Bank of the activities of commercial banks of the Russian Federation
- Organization by the Central Bank of cash circulation in the Russian Federation
- Refinancing of commercial banks by the Central Bank of the Russian Federation
- Operations of the Central Bank of the Russian Federation on the open market
- The essence and purpose of the fund of required reserves of commercial banks in the Central Bank of the Russian Federation
- Banks of individual elite service - Private banking ("Private banking")
- Credit auctions: essence, order of organization, meaning
- Operations of the Central Bank of the Russian Federation on servicing the public debt of Russia
- Modern inflation: essence, causes, forms of manifestation and their types in the Russian Federation
- Money circulation and its structure
- Indicators of the volume and structure of the money supply in circulation in the Russian Federation
- Monetary systems, their main elements (Western model)
- Features of the monetary system of the Russian Federation
- Interbank loans in commercial banks of the Russian Federation
- Interest rate policy of Russian banks
- Stocks: types and characteristics
- Securities in the Russian Federation. Types and characteristics
- Loan capital market: structure and functions
- Securities market: structure and functions
- Primary securities market. Methods of issue of securities
- Stock exchange: organizational and functional mechanism in the Russian Federation
- Characteristics of the secondary securities market
- Features of retail banking services - Retail banking ("Retail banking")
- The essence of money, their functions
- Theories of money and inflation
- Credit money, their types
- Bill, its essence, types
- Government securities (western model)
- Commercial banks: essence, types and role in the economy (Western model)
- Commercial banks: essence, types and role in the Russian economy
- Passive operations of commercial banks of the Russian Federation
- Formation of own resources of Russian banks
- Attracted resources of commercial banks in the Russian Federation
- Liability management in commercial banks of the Russian Federation
- Active operations of commercial banks of the Russian Federation
- Loan operations of commercial banks in the Russian Federation: essence, types, characteristics
- Documents submitted by the borrower for obtaining a loan from a commercial bank of the Russian Federation
- Forms of loan security
- Operations of commercial banks of the Russian Federation with securities
- Investment activity of Russian banks
- Asset management of commercial banks
- Liquidity of credit institutions of the Russian Federation. Liquidity indicators
- Financial risks
- Characteristics of the bank's assets in terms of providing liquidity, profitability
- Forms of credit: commercial, banking, consumer, state, international
- Financial services of commercial banks (leasing, factoring, trust transactions)
- Settlement operations of commercial banks
- The main forms of cashless payments in the Russian Federation
- Formation of check circulation in the Russian Federation (checks of commercial banks)
- Main forms of international payments
- Foreign exchange operations of Russian banks
- Foreign exchange market in the Russian Federation: participants, structure
- Mortgage banks and their operations (western model, experience in the Russian Federation)
- Investment banks and their operations (western model, experience in the Russian Federation)
- Savings banks and their operations (Western model)
- Savings banks of the Russian Federation
- Insurance companies and their operations
- Pension funds and their operations
- Investment companies and investment funds (western model, experience in the Russian Federation)
- Theories of credit
- The essence, functions and role of credit in the market economy of the Russian Federation
- International financial institutions
- Essence and functions of banking marketing
- Essence and functions of banking management
- Credit, investment and financial consulting
Essence and functions of banking management
Management is the science of the most rational system of organization and management. Banking management has certain specifics, due to the nature of the activities of this division of the social division of labor. The bank acts as a kind of business enterprise (Denis Shevchuk).
The essence of banking management is: ensuring the cost-effective operation of the bank as an economic entity in the money market; ensuring the liquidity of the bank's balance sheet as a guarantee of the bank's reliability, observance of the interests of the creditor and depositor; maximum satisfaction of the needs of customers in the volume, structure and quality of services provided by the bank, which determine the duration and stability of business relations; a combination of successful solution of production, commercial and social problems of this team; creation of an effective system of training, retraining and placement of specialists, which allows them to realize their potential to the fullest extent.
In accordance with these goals, banking management focuses on the implementation of a number of quantitative, qualitative and social indicators.
Quantitative indicators relevant to all areas of banking management. The number of bank customers and their accounts, the volume of deposits, credit investments, investments; the volume of transactions and services performed by the bank - this is just some list of indicators used to analyze and evaluate the overall performance.
Qualitative indicators can be divided into several types. The first group consists of indicators of income and expenses of the bank. With their help, the bank's profitability is managed. The second group covers indicators of the rate of turnover of funds, the complexity of the costs of transactions, the speed of processing documents. The third group includes indicators of the degree of satisfaction of customer requests in terms of the volume, structure and quality of services provided by the bank. This also includes the ability of the bank to ensure the confidentiality of business negotiations, the safety of information.
Social indicators characterize the development of professional training of team members, their attitude to work, the degree of solution of social problems.
Also, the functions of banking management include compliance with the requirements of the state for banks in order to protect the interests of owners of cash deposits and deposits. In addition to such laws, there are a number of mandatory standards and regulations aimed at ensuring the liquidity of credit institutions, which means that there are certain limits in the independence of decision-making, due to compliance with mandatory standards and regulations, and the need for managers in the constantly changing money market conditions to look for ways to ensure the liquidity of the bank.
Author: Shevchuk D.A.
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