The Research On Overall Cost Management In The State-owned Commercial Banks

The marketization and globalization of world economic take with finance has accelerated finance innovation, sharpened financial competition and catalysis the transition of commercial bank development mode. Aim at the maximium of comprehensive benefit and customer value. Modern commercial banks take the cost minimium and revenue maximium as their operation goal. Unceasing innovative operation ideas, strengthen cost management, enhance benefit of managing. The use of overall cost management in the field of management and administration of commercial banks in west countries will cause a historical bank revolution. This article from observe the births of overall cost management and its course of development in the commercial banks of west countries, expound the intension system and frame system of overall cost management, compare the profit ability of the commercial bank of our country and western. It also analysis tradition cost management's defect and the superiorities of the overall cost management, then draw a conclusion that it is very necessary to pursue overall cost management for our country's state-owned commercial banks. The overall cost management has two major modes, products mode and standard mode. Which mode should be chosen for the state-owned commercial banks of our country in pursuing overall cost management, it based on the bank management mode, the management system direction and management style of the bank that is determined, At present, we should choose the mixing mode of overall cost management. How to advance the development of overall cost management of the state-run commercial banks? This article points out, first there should be an abundant preparation in pursuing and succeed an obstruction faced in overall cost management, and do the corresponding reforms, then based on that, reconstruct the organization frame, take the tactics measure to optimize the operation cost, customer's cost, manpower resources cost and distribute the cost, Advance commercial banks' overall cost management comprehensively.