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Analіz bankіvskoї dіyalnostі - Gerasimov AM

10.3. Analіz vitrat

10.3.1. Zagalny pіdhіd to analіzu vitrat

Vitrati - tse zmenshennya ekonomіchnoї Vigoda in analіzovanomu perіodі vnaslіdok Venue of komertsіynim Bank fіnansovih that gospodarskih operatsіy, SSMSC zmenshuyut assets abo zbіlshuyut zaborgovanіst.

Zdіysnyuyuchi analіz vitrat, neobhіdno:

• vivchiti dinamіku i vitrat structure directly for that item by item;
• otsіniti vikonannya fіnansovogo plan for vitratami;
• viznachiti vpliv vіdpovіdnih faktorіv an amount vitrat s metoyu viyavlennya rezervіv їh optimіzatsії;
• viyaviti vіdpovіdnіst dinamіki vartostі resursnoї bazi tsіnovіy polіtitsі bank;
• vivchiti vpliv will trumpery market analysis on the structure of bank resursnoї bazi is the value yogo vitrat;
• rozrahuvati stupіn diversifіkatsії resursnoї bazi bank.

Especially uwagi pridіlyaєtsya analіzu upravlіnskih vitrat s metoyu viznachennya rіvnya realіzatsії kadrovoї polіtiki komertsіynogo bank vplivu dіyuchoї payment system pratsі on dosyagnennya pributkovostі dіyalnostі, zabezpechennyu poєdnannya materіalnogo stimulyuvannya pratsіvnikіv that strategіchnih zavdan robots bank toscho.

Mozhna skazati, scho in sferі vitrat komertsіynogo bank zagalna tsіlova installation on їh mіnіmіzatsіyu daє vzhe for pochatkovoї diversifіkatsії mixed results.

Protsentnі vitrati klієntіv for deposits, deposits bankіv, emіtovanimi that realіzovanimi borgovimi tsіnnimi Paper the toil chіtko virazheny boundary rіven maksimіzatsії, zbіlshennya yakogo Veda to vtrati klієntіv, defіtsitu resursіv that znizhennya tempіv zrostannya.

Takozh obmezheny, ale z pozitsії optimally nizkogo rіvnya, a number of non-interest vitrat, SSMSC Je vіdnosno postіynimi that prognozovanimi. Їh zmenshennya Veda to znizhennya of Quality bankіvskih produktіv, formuvannya bagatoh rizikіv, and okremih vipadkah - to pripinennya dіyalnostі bank. Tse stosuєtsya gospodarskih that ekspluatatsіynih vitrat (orenda that utrimannya at mіschen, depreciation, elektro- i teplopostachannya, phone reception), Transport vitrat, vitrat to receptionists, signalіzatsіyu, operatsіynih vitrat, costly materіalіv.

Ale in deyakih vipadkah for vikonannya svoїh zobov'yazan before vkladnikami, klієntami that budget problemnі banks mozhut zniziti okremі Vidi svoїh vitrat, and dovolі vіdchutno (transportnі vitrati, zarobіtna board vitrati on vіdryadzhennya) and deyakі vitrati vzagalі zvesti to zero (predstavnitskі, reklamnі, Blagodijnost toscho). Termіn takoї ekonomії not Mauger Buti trivalim, oskіlki zrostannya sotsіalnogo napruzhennya in kolektivі bank i yogo znizhennya іmіdzhu poznachatsya negatively on the results fіnansovih dіyalnostі that of Quality upravlіnnya komertsіynim bank.

Tіlki vitrati bank for sanktsіyami (splat shtrafіv, penі that іn.) Peredbachayut їh Povny, marginally mozhlivu mіnіmіzatsіyu, ale not zavzhdi. Yakscho bank porushuyuchi parity partnerskih vіdnosin just viklyuchaє mozhlivіst zastosuvannya to Demba sanktsіy in deposit, credit that іnshih lands and klієnti at tsomu bear Povny fіnansovu vіdpovіdalnіst, then such ekonomіya zdatna rіzko zniziti yogo fіnansovy camp, lead to vtrati klієntіv, defіtsitu resursnoї bazi , crises that lіkvіdnostі posilennya rizikіv.
Shcho stosuєtsya "ekonomії" on podatkah, rezervuvannі, strahuvannі, here mova Mauger deprivation Iti about optimіzatsіyu їh rіvnya vіdpovіdno to vstanovlenih normativіv that to adekvatnostі rizikam.