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财务管理(Financial Management)是在一定的整体目标下,关于资产购置(投资),、资本融通(筹资)、经营中现金流量(营运资金)以及利润分配的管理。财务管理是企业管理的一个重要组成部分,也是商业银行提高竞争力的核心内容。随着我国市场经济的不断发展与国际金融的全面接轨,面对外资金融机构的不断冲击,我国商业银行在财务管理体系、理念、方法等方面暴露出一些问题。为了顺应市场的变化,我国银行业就需要转变自身的管理模式,以价值最大化作为其发展目标。为了实现这一目标,我国商业银行就必须加强内部财务管理。而如何加快商业银行财务管理的改革步伐,并通过经验的借鉴和不断的实践,有效利用财务管理,使商业银行创造利润最大化,提高核心竞争力,成为我国商业银行亟待解决的工作重点。
Financial Management is the management of asset purchases (investments), capital flows (financing), cash flows from operations (working capital), and profit distribution under certain overall objectives. Financial management is an important part of business management, but also the core of commercial banks to enhance competitiveness. With the continuous development of China’s market economy and the full integration of international finance, faced with the constant impact of foreign financial institutions, commercial banks in our country have exposed some problems in terms of financial management system, concepts and methods. In order to comply with the market changes, China’s banking sector needs to change its own management model, with the maximization of value as its development goal. In order to achieve this goal, China’s commercial banks must strengthen internal financial management. How to speed up the pace of financial management reform of commercial banks and become the focus of commercial banks urgently needs to be solved is how to speed up the pace of financial management reform of commercial banks and make effective use of financial management through empirical reference and constant practice so as to maximize profits and increase core competitiveness of commercial banks.