Strategia și controlul dezvoltării sistemului de servicii şi produse bancare şi implementarea în sistemul bancar autohton

Abstract

In this article, the author aims to study the strategy and control of the development of banking services and banking system launched by commercial banks on the financial and banking market of the Republic of Moldova. We hope that this research will be important for the country's financial and banking system because, thanks to the implementation of new banking services and products, especially electronic technologies, all operations become computerized and banks only need to acquire these software programs to create infrastructure and train the staff after which electronic systems will be introduced into most of the bank's services and products. The primary objective of each financial institution is to achieve profiled activity under acceptable risk conditions and, to that end, budget preparation is a component of the profit strategy. The bank's management aims at developing the bank's strategy and banking policies that are appropriate for achieving strategic objectives. The management of a bank, without a good strategy and rigorous control over the launch of banking products and services, cannot be successful in the financial and banking market. The bases of the bank are profiled activities under acceptable risk conditions, and budgeting is a component of the profit strategy. Profit planning is, in fact, the central element of strategic planning of the bank, the synthetic form in which profit-making is materialized in the revenue and expenditure budget. Of particular importance in the budgetary procedure is the control of the budget execution, which can be correlated with the bank's dashboard, its financial components. JEL: M 41, M42; CZU:336.717.061:005.584.1(478).