I. Introduction to Public Finance Education
Public financial education refers to the enlightenment and popularization of financial knowledge and common sense to all citizens. Specifically, it includes the education of financial service recipients, consumers and investors, the education of potential financial service recipients and the popularization of national financial knowledge.
The content of public finance education is very extensive, including educating people to use finance correctly, effectively avoiding financial risks, reforming financial management mode, improving financial awareness and credit awareness, and strengthening credit construction.
Second, the organizational structure of banks.
At present, China's banking industry is divided into two categories from the perspective of risk structure organization mode, namely centralized structure and matrix structure.
1, centralized structure
In China's state-owned banks, according to the needs of operation and management, the framework relationship mainly adopts the organizational structure of setting up a head office at the headquarters, then setting up branches at the provincial level, setting up branches downwards and finally setting up outlets. Namely: Head Office → tier-one branch (provincial bank) → tier-two branch (city bank) → tier-one branch (county and county-level city bank) → tier-two branch (savings office).
2. Matrix structure
In order to make up for the shortcomings of centralized structure, matrix organizational structure came into being. Under this structure, the head office still manages branches and outlets, but each branch has the right to set up different business division systems according to business types.
Three. Some differences among the head office, branches and sub-branches.
1, different grades
Banks generally have a head office, branches, sub-branches, sub-branches and savings offices.
2. Different powers
The head office of the bank leads the branches and the branches lead the branches. Head office power > branch power > branch power, local branches are managed by local branches, and regional branches are managed by a single head office.
3. Different industries
Savings offices can only handle personal business, and sub-branches can handle corporate business. A sub-branch is the person in charge of a regional bank and can manage savings offices and sub-branches, while a sub-branch is an institution that manages all sub-branches, a government agency and a unit that does not handle business externally. The accounting center is the internal department of a branch or sub-branch.