Suggestions for bank development

The new situation faced by commercial banks’ financial statistics work

Currently, the financial environment, statistical objects, and statistical scope faced by financial statistics are undergoing profound changes. Commercial banks that aim at profit have weakened their statistical status and have poor ability to proactively adapt to the financial environment. The role and positioning of statistics are focused on business operations and development, and insufficient consideration is given to the monitoring and statistics of systemic risks and transactional risks; commercial banks It lacks initiative in the statistical management of new business types such as intermediary business and off-balance sheet business, and the statistics of innovative business does not receive enough attention and support; problems such as poor information between the head offices and branches of commercial banks also affect the financial industry. The authenticity and accuracy of statistical data; various financial derivatives are changing with each passing day, and the frequent entry and exit of financial management funds have a great impact on the statistics of money supply, the direction of capital investment, and the monitoring and analysis of the sources and applications of social funds.

With the launch of currency, securities, bonds, futures, insurance, foreign exchange and gold markets, my country's financial market will be comprehensively constructed and developed, and the role of financial disintermediation will become increasingly prominent. The rising private finance such as commercial credit, private equity funds, underground banks, shadow banks, and loan sharks among entities in the real economy that are free from the banking system has greatly challenged the current financial statistics system. To put it another way, the financial statistics work of commercial banks lacks proactive responses to the development and changes of the financial market, and its contradiction with the needs of economic development has begun to appear.

The current status of financial statistics work of commercial banks

(1) The weakening status of financial statistics of commercial banks

At present, the status of statistical work of commercial banks is not high, although due to the The need for information disclosure has improved compared with the past, but the basic functions and effects of statistics are still not fully reflected, and the degree of participation in bank operations and management is low. The positioning of statistics by various banks is basically to meet the requirements of external supervision, and secondly to provide the most basic business data. The information, consultation, research and analysis, supervision and other responsibilities of financial statistics have been downplayed. Commercial banks have no clear functional requirements for statistics to participate in operation and management. Data applications are scattered in various departments. Statistics cannot directly obtain demand and development momentum. Statistics departments are increasingly marginalized within commercial banks.

(2) The quality of basic data of commercial banks is not high

As the most important basic unit of the financial system, the quality of basic statistical data of commercial banks determines the quality of my country's financial statistics Quality, but there are still some problems in the current basic information management work of commercial banks:

1. The purposes of data users and source data generators are different, resulting in low quality of basic data. The data currently held by the statistical departments of commercial banks are mainly report data suitable for macro management and supervision. The quality of many of them is questionable, and most of them cannot be used directly. The reason is that currently commercial banks have at least dozens of business systems and as many as hundreds of business systems. Each system is scattered and managed by different business departments. The business departments apply the system based on business needs, rather than data management, as the final data processing. The statistical department that summarizes cannot control the quality of basic data sources, so poor quality of basic data sources is inevitable.

2. Business system data is inconsistent. Since each business system is designed at the beginning, it is impossible to predict the new situations that the system may encounter during use. Therefore, when the system cannot reflect all business data or the two systems that need to be related cannot achieve linkage, there will be data missing or two. System data is inconsistent, resulting in a decrease in the quality of the final statistical data. The difference in purpose between statistical management and business management is the root cause of inadequate data source management, inaccurate basic data, and low direct availability of final statistical data.

3. The statistical information of commercial banks’ head offices and branches is not smoothly transmitted. The head office of a commercial bank is responsible for the management of the bank's statistical system, the development of relevant programs, the writing of templates, etc.; when branches use the programs issued by the head office, they do not understand the specific data extraction process. When problems and errors occur, they cannot be obtained If solved in time, it will easily lead to a decline in the quality of statistical data; at the same time, when the quality of some report data reported by first-level branches is poor, the head office often gives up using the reports of lower-level banks because it does not trust the data reported by lower-level banks. The head office does not fully understand the data of grass-roots banks, and the one-way information transmission relationship between the head office and branches can easily suppress the initiative of lower-level banks, which ultimately leads to a lack of support for each other, causing statistical work to be blocked, and there is a disconnect between demand and support. Phenomenon.

(3) Lack of comparability of some statistical data between commercial banks

1. Differences in accounting and statistical management lead to differences in statistical data. Although commercial banks currently use the unified accounting subjects announced by the People's Bank of China for accounting and data statistics, under the same subject, various commercial banks have large differences in the setting of sub-accounts, business processing methods, and statistical caliber consolidation. , many statistics cannot be compared.

—From the Internet