基层商业银行财务资源配置优化路径探究

Exploring the optimization path of financial resource allocation in grassroots commercial banks

基层商业银行作为金融体系的重要组成部分,承担着服务实体经济、促进区域发展的重要使命。然而,基层商业银行在财务资源配置方面存在着诸多问题,文章从财务资源配置理论出发,分析了基层商业银行财务资源配置存在的问题及其成因,提出了基于履职质效提升的基层商业银行财务资源配置优化策略,包括坚持战略目标导向、优化组织架构、加强人员培训等,旨在为基层商业银行提高财务资源配置效率、提升履职质效、降低运营成本,以及实现可持续发展提供支持。

As an important part of the financial system,grassroots commercial banks bear the important mission of serving the real economy and promoting regional development.However,grassroots commercial banks have many problems in the allocation of financial resources.Based on the theory of financial resource allocation,this paper analyzes the existing problems in the allocation of financial resources of grassroots commercial banks and their causes,and puts forward the optimization strategy of financial resource allocation of grassroots commercial banks based on the improvement of performance quality and efficiency.It includes adhering to the strategic goal orientation,optimizing the organizational structure,improving the internal management system and strengthening personnel training,etc.,aiming to improve the efficiency of financial resource allocation,improve the performance quality and efficiency,reduce operating costs,and provide support for banks to achieve sustainable development.