Because the functions of different banks may be somewhat different, in short, at the branch level, both positions belong to the management department and the government department.
1. The finance department of the company mainly manages marketing matters, loan planning, and training and managing the credit departments of relevant branches.
2. The Credit Approval Department is an auditing department, which mainly audits corporate loans reported by the business marketing department, such as auditing business compliance and rationality.
Therefore, although they are all related departments engaged in corporate loans, their business angles are completely different.
Generally speaking, there is also a corporate finance department in a branch, which is the corporate credit department or marketing department we often hear. At this time, the understanding of the corporate finance department belongs to front-line credit personnel.
Personal opinion, for reference only!
2. What is the corporate financial management department of a bank branch, and what exactly does it do?
Branches are different from subbranches. Branches mainly handle comprehensive business, including: audit, approval, lending, business type induction, product research and development, and some also absorb deposits, loan resources and obtain information (such as real estate license).
This department is a department and a power department. Basically, most data review and loan issuance are handled by branches. General administration, less business.
Banks have many departments, and the following are the specific functions of these departments:
1. Office: set up an office of the Head Office, which is responsible for the comprehensive coordination of the Head Office, document processing, supervision and investigation, confidential files, meetings of branch presidents and other important documents drafting, publicity and liaison, letters and visits, administrative and financial management, etc.
2. Management Information Department: in charge of business statistics and information work of the whole bank, responsible for compiling various business statistics reports, comprehensively analyzing and evaluating the business management status of the whole bank, organizing investigations and studies, publishing information on the Internet, and collecting and processing various economic and financial information. Responsible for the office automation of the head office.
3. Planning and Finance Department: Prepare the Bank's comprehensive business plans such as capital operation plan, financial plan and infrastructure plan, and supervise their implementation. Responsible for asset-liability ratio management, financial management, interest rate management, capital construction and fixed assets management. Assess the implementation of the target responsibility system of branch presidents and departments.
Extended data
Regulatory purpose
(1) Maintain the healthy operation order of the financial industry, minimize banking risks, safeguard the interests of depositors and investors, and promote the healthy development of the banking industry and economy.
(2) Ensure the need to issue loans fairly and effectively, so as to avoid the random distribution of funds and prevent fraudulent activities or inappropriate risk transfer.
(3) Financial supervision can also avoid excessive concentration of loans in a certain industry to a certain extent.
(4) Bank failure not only needs to pay a huge price, but also affects other areas of the national economy. Financial supervision can ensure that financial services reach a certain level, thus improving social welfare.
(5) The central bank transmits monetary policy to other areas of the national economy through monetary reserves and asset allocation. Financial supervision can ensure the realization of the transmission mechanism of monetary policy in banks.
(6) Financial supervision can provide trading accounts and transmit default risk information to financial markets.