Commercial bank financial management

Author: Liu Ruibo
Publisher:
Publish Date: 2004-12-01
Features: Modern commercial banks are comprehensive and multi-functional financial enterprises that operate with the goal of profit maximization, focusing on various financial assets and liabilities as their operational objects. They serve as the central hub of the modern financial service industry and are one of the most important economic entities in the national economy. Commercial banks act as a bridge between surplus and deficit fund providers through their liability and asset operations, thereby improving the overall efficiency of fund utilization in society. Leveraging their advantages, they function as payment intermediaries, accelerating the speed of capital turnover. They provide a range of financial services to various economic entities, fulfilling more social functions. In summary, commercial banks are the mainstay of the banking system. Commercial bank financial management is an important component of bank management, yet it is also an independent management task that occupies the core of bank management. It plays an irreplaceable role in promoting the continuous improvement of commercial banks' operational management and enhancing economic efficiency. This textbook is organized and written around the optimal goal of commercial bank financial management—wealth maximization—and presents it as the core and soul of the entire book.