Bank commercial file management

Author: Wang Xiangming / Country: Mainland China
Publisher:
Publishing Date: 2006-03-01
Features:
II. The Role of Commercial Bank Archives
The activities of commercial banks possess a certain degree of inheritance, and history is unbroken. Examining the progress of past work, studying the development patterns and specific lessons of the work, and inheriting existing achievements have all become the basis and foundation for formulating current work guidelines and plans, as well as further advancing the work. Based on the formation characteristics and value of commercial bank archives, we can identify that commercial bank archives primarily serve administrative, business, scientific research, and legal purposes.
(1) Administrative Role
Commercial bank archives are historical records formed by various departments of commercial banks in the exercise of their functions and in the course of management activities. These records play an indispensable and irreplaceable role in enabling relevant personnel to understand the past and anticipate the future, maintaining continuity and effectiveness in policy, systems, order, and working methods, and ensuring the scientific nature of decision-making. This is the administrative role of commercial bank archives. Without these archives, the daily administrative management of commercial banks may fall into chaos due to "lack of records to refer to," or lead to errors due to "blind decision-making," resulting in passivity and losses in various tasks. Therefore, leveraging the administrative role of archives contributes to the scientificization of planning and decision-making in commercial banks and enhances work efficiency and management levels.
(2) Business Role
Commercial bank archives are formed during the specialized business activities of various departments of commercial banks. They involve all functional activities of commercial banks, such as payment intermediation, credit intermediation, credit creation, and financial services. Archives are created in specific business fields, and the normal conduct of these business activities relies heavily on relevant business archives. Due to the strong continuity of commercial bank business activities, such as in the process of deposits or loans, historical records are frequently consulted as a basis for continuing work. Therefore, leveraging the business role of archives helps ensure the smooth operation of commercial bank business activities, improves management and operational capabilities, and creates greater economic benefits.
(3) Scientific Research Role
Commercial bank archives are historical records of the management and operation activities of commercial banks and represent a comprehensive record of the entire process. This characteristic makes them irreplaceable in the scientific research activities of commercial banks. Since all science is the study of objective laws governing the development of things, analyzing and researching the information accumulated in historical commercial bank archives can help us grasp the development patterns of commercial bank management and operations, providing historically grounded insights for innovation and development in services and operations. At the same time, the scientific research activities of commercial banks also involve issues of inheritance and development. By fully utilizing relevant commercial bank archives, it is possible to minimize detours and achieve results more quickly. Therefore, leveraging the scientific research role of archives helps commercial banks scientifically understand the objective laws of bank development, better seize development opportunities, and elevate the level of management and operations.
(4) Legal Role
The legal role of commercial bank archives refers to their evidentiary function in resolving disputes and handling cases involving commercial banks and relevant parties. The legal role is the concentrated embodiment of the evidentiary function of commercial bank archives. From the perspective of their formation process and physical form, commercial archives are created during the business activities of commercial banks, objectively recording the entire process of management and operations. The documents bear the marks of the actors at the time, making them genuine historical records. With the development of the commodity economy, credit relationships have permeated all aspects of social and economic life, and the business scope of commercial banks has continuously expanded. At the same time, due to the increasing financial awareness of people, more and more individuals are participating in financial activities, requiring more financial services from commercial banks. In these business activities, a large number of documents such as contracts, agreements, and vouchers are generated, which play a very important legal role in establishing the obligations and rights of both parties and various economic relationships. Therefore, leveraging the legal role of archives helps commercial banks strengthen legal construction under the socialist market economy system and maintain their advantageous position.
(5) Cultural Role
Commercial bank archives are an important part of commercial bank culture and also a historical record of its development. The development of commercial banks has the wisdom and efforts of generations of operators, which is an extremely valuable spiritual cultural wealth. Commercial bank archives faithfully record the entire process of commercial bank cultural development. From the perspective of the entire cultural landscape of human society, commercial bank culture is also an important component, and therefore, commercial bank archives also play a role in the cultural life of human society.
P18-19