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Bank management
| | 04.12.2018, 01:24 |
The modern world practice possesses comprehensive set of methodologies and approaches to project management. Competition in all sectors of the economy has reached a degree, when use of project management technologies is essential for prosperity and survival of almost every business enterprise. High-tech financial institutions pay close attention to the development of various areas such as introduction of information technologies. Banks are constantly developing large projects on introduction of new products and tools, so the issues of effective project management are extremely important. Taking into consideration the current reality and tough competition, banking institutions are concerned with different options of development and improvement, which results in a large number of projects that require proper management and control.
The object of research and examination in this work is a bank. A bank is one of the major financial institutions in modern economy. Bank's activity is twofold - these are not only business enterprises, but also important social institutions. These two aspects of activity of commercial banks are interrelated and constantly present in the spotlight of the government and the community. Projects are important for different types of banks, because they allow to significantly improve the performance of the banks, increase their profits, reduce costs, optimize business processes (especially in high-tech projects).
The subject of research in this work is the management of bank development projects. Recently, the project became a tool for development and improvement on all levels of activity and in all business sectors. Project management can be defined as the branch of management, which attracts attention of more and more companies, which implement the principles of project management into the activity of both separate subunits and the organization as a whole. Effective project management enables the company to properly plan and successfully implement projects, optimizing the spending of time, money and human resources without deviating from the planned quality of end product of the project. The use of principles and methods of project management allows the company to achieve new competitive advantages in the business and improve its performance results.
The purpose of this study is to analyze the peculiarities of management of bank development projects and identify the criteria of their successfulness. This area is of great interest for the research due to some of its features. Project management in the banking sector in each country may have different more or less unique features. These features include the sources of borrowed funds, extraordinary mobility and changeability of parameters of functioning of financial markets.
The objectives of this graduation thesis are:
* Identification of the features of the banking sector;
* Analysis of theoretical aspects of project management;
* Definition of management of bank development projects;
* Identification of differences between the management of standard projects and development projects;
* Identification of specific criteria and peculiarities of management of development projects.
The project structure includes an abstract, three chapters, a conclusion and a reference list. The first chapter considers the concept of a bank, its main activity and analyzes the peculiarities of this area of business activity and the problems inherent in it. The second chapter is devoted to project management and methodologies, necessary for successful control and development. The same chapter considers various difficulties and problems faced by managers during the process of project management. The third chapter is devoted to the projects of bank development. It introduces the basic definitions of management of development projects, provides the methodology of management of development projects, and lists a number of peculiarities of implementation of a development project.
1. A bank. Nature of activity, main business-processes and organizational structure
First banks appeared in the Ancient East in the VIII century BC, when the welfare of people allowed them to save their capital while maintaining an acceptable level of current consumption. A bank is a credit institution that has an exclusive right to perform the following operations: Engage the cash means of individuals in deposits; place these means on its behalf and its own expense on terms of repayment, serviceability, urgency; open and maintain bank accounts of individuals and legal entities. The banking system of the Russian Federation has two levels [6]
* Level 1 - The Central Bank of the Russian Federation;
* Level 2 - credit institutions and their branches, various foreign banks and supporting organizations working directly in the field of banking services.
Firms, banks, corporations, separate individuals (both permanent residents and foreigners) may become the founders of a bank. Currently, the activity of banking institutions includes not only the organization of money flow and credit relations, but also purchase and sale of securities, conduct of insurance operations, intermediary transactions, property management, financing of governmental programs, etc.
The main purpose of the bank is the intermediation in the movement of the cash means from lenders to borrowers. The bank provides transformation of internal savings into investments, generates cash accumulation and transformation of resources, regulates money flow. In order to develop successfully, the bank is engaged in attraction and accumulation of temporarily free cash means. Cash means concentrated in the bank bring their owners a certain interest income on the one hand, and act as resources for loan operations on the other hand. With the help of financial institutions, the temporarily free cash means become loan capital, which is used by banks for lending. [7]
Let us describe the process of the upper level of banking sector: Development processes, management processes, main processes, additional processes. Obviously, the creation of such model is often a subjective definition, but this study made an attempt to reflect them as fully and plausible as possible. Value-added chain diagram of the ARIS notation was chosen for the model. A value-added chain object types were chosen to determine the processes themselves, and the type of connection is the «is predecessor of».
Let us describe the organizational structure of the bank for better representation. Of course, depending on the type of bank (private, government, investment, etc.), the structure may have a different shape, but we will try to create some common structure that reflects the entire system of governance in this sector.
The «Position» type was chosen for identification of positions, and the «Organizational Unit» type - for the departments they manage. Relations between supervisors and subordinates, between managers and their departments are of «is organization manager of» type, with the «is composed of» type between departments and subdivisions.
Thus, the following characteristics may be singled out for the banking sector:
· Presence of a large number of highly interconnected automated business processes;
· Significant number of internal and external data flows;
· Extensive document flow;
· Provision of financial transactions, monitoring of activity and creation of real time reports;
· Ensuring the transparency of activities.
These features of the banks should be taken into consideration while developing recommendations for the choice of integration solution in the banking sector.
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| Категория: Банковское, биржевое дело и страхование | Добавил: qreter |
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