Commercial Bank Cost Management Study

With deepening the reform of Chinese financial system and entering WTO, more and more challenge has been confronted with the commercial bank of china. Under the infection of "planned economy", many national commercial bank, specially state-owned commercial bank, still only pay attention to expand , but not consider cost management and economic benefit. The rude management model not only makes the resource graveness waste, but also brings heaven burden to the development of commercial bank. So to intensify internal management, renovate management conception, absorb management experience of modernization great banks, improve the ability of payoff, establish distinct property form, definite rights and liabilities, separation between administration and enterprise, and scientific management. It is key to strengthen bank reform and management in order to make it become an financial enterprise aimed to gain the economic benefit.It has not form a integrated system in national banking for How to deepen reform of cost management and establish an new cost management model that adapt the development of modern corporate institution. The paper based on the theories of total cost management bring forward the circulated mechanism and main content of total cost management including staff stir management entirely process management and market converse control cost management. The aims is to improve economic benefits and management ability. The paper also analyze the issue of cost management of stated-owned commercial bank in china and set forth integrated scheme of reform of the stated-owned total cost management.