The bank is a commercial organization,which is aimed at raising funds in cash, as well as for their placement on a return basis. Of course, the organization of the commercial bank is carried out by a special board, which bears all responsibility before the bank's council and general meeting. This membership includes such representatives who occupy larger posts. In such a concept as the organizational structure of a commercial bank, one can distinguish that it can be regulated in various ways, which depend on the size of the bank, the number of clients, the operations performed, the number of services provided, and many other areas.
Organization of the business of a commercial bank -this is not only the provision of support from banks, but also coordination in the work of various banks. There are principles that are aimed at ensuring that the organization of the business of a commercial bank is working correctly. Distinguish the following principles:
- The bank should really work based on its available resources.
- It requires economic independence, in which banks are responsible for their activities.
- All the relationships that arise between the client and the bank are based on market relations, during which the liquidity, risk and profitability of the bank are determined.
- The bank's activities can be regulated only by economic methods, but not by administrative methods. That is, the state offers methods, but whether to accept these methods or not is the choice of each bank.
The most important questions in such a direction asthe organization of the activities of commercial banks, decides the council, which is the representative of shareholders and owners of the bank. The board's responsibilities are many important areas, but most importantly - to ensure the necessary level of return on invested capital. The Board must also take care of ordinary customers. The main function of the board is to determine the strategic functions and objectives of banks and create a policy.
Commercial bank, if compared with othersimilar companies, identifies several socio-economic entities. The first is that the bank serves as a tool for performing any financial transactions. The second is that the bank itself is one of the subjects of economic relations. The third is that the bank is a cash accumulator. For example, by receiving cash deposits from the public with the help of deposits, the bank accumulates a total amount that it can later use to achieve banking purposes. The fourth is that the bank can be a distributor of money, sending these funds to lending or other services. And the fifth is that the bank can be performed as an information tool. This can be any information about customers, their account status, the status of any transaction and other information. Thus, the organization of the activities of a commercial bank carries out many processes.
As for the concept of organizational structurecommercial bank, it is the most important component for successful achievement of the goals. The success of the bank depends on the relationship between the subordinates and the manager, as well as on the level of the organization of the commercial bank. Operating in different market conditions and specializing in different types of services, the organizational structures of banks are also different. Each organization of the commercial bank has its advantages and disadvantages, which are taken into account when choosing one of the ways of organization.