The Ways And Countermeasures Of Total Cost Management In Banking Industry

China’s banking industry in the 21 st century, showing the trend of rapid development, along with the rapid growth of the banking sector at the same time, the banking industry is facing unprecedented challenges. Competition, competition and quality competition of foreign banks between Internet financial business Interbank commercial banks in China have brought a big challenge, so profit margins and profitability of commercial banks are significantly reduced, so that the bank must Forced improve their management capacity, the introduction of more advanced comprehensive cost management system, fine management of the banks, and thus the cost reasonable control, improve bank profit margins, and to help banks in the fierce competition in the market and external factors, a firm foothold and get their considerable development.This paper focuses on the research results of domestic and foreign banks’ cost management made a theoretical study and analyze current situation and problems of domestic commercial banks cost management, and analysis of specific cost management practices in foreign commercial banks and the Implications for China’s commercial banks. Also introduced the concept and content of comprehensive cost management, and the difference between traditional cost management were compared, and finally research on China’s commercial banks to explore the comprehensive cost management, obtain a comprehensive cost management system is to increase the profits of commercial banks and core competencies essential way.Taking Suzhou Branch is the Agricultural Bank of comprehensive cost management subject for discussion, by making specific analysis of the existence of the Agricultural Bank of Suzhou in cost management problems, and the goal of cost management, organizational structure, management systems, cost collection and sharing propose appropriate countermeasures and suggestions of the seven major aspects of the mechanism, cost budgeting system, cost management and control system and cost management performance evaluation mechanism. The article concluded that the Agricultural Bank branch in Suzhou really only be fully implemented cost management, rationalization can be more advantageous cost management, standardization and be conducive to better enhance the overall image and core competitiveness of the banks.