Research On Operating Expense Control Of The Bank Of Jilin

With the rapid development of Chinese city commercial Banks and localeconomy, city commercial Banks gradually played a more and more important rolein the financial system, even as its main body. The level of cost control andmanagement is the embodiment of bank control ability and management capacity ofthe best, is one of the important index to measure a bank’s business effect, is animportant part of bank management. In the foreign banks into China’s financialmarket situation, the domestic banking industry, including city commercial bankswill face the hitherto unknown challenge. The traditional cost management systemhas been difficult to meet the changing needs of the market, can not adapt to theincreasingly fierce competition, this situation inevitable requirement for the reformand innovation of cost management mode for their own city commercial bank. So,strengthen the management and control of cost, has far-reaching significance in citycommercial banks.However, because of the influence of long term management system and theconcept of factor, city commercial banks ignored the use of management accounting,do not attach importance to the cost, profit ratio, the amount of bad loans is high,capital and asset utilization efficiency is low, the weak, the bank credit managementefficiency is not high, and there is risk of internal crime. Moreover, in the bank’sinternal management, employee expenses related to lack of knowledge, the costcontrol means backward. In the face of the financial sector and external businessenvironment is getting more and more complicated, the increasingly fierce industrycompetition and change rapidly in the market demand, to establish a reasonable, efficient, scientific cost management system, has become an important problem ofChina’s city commercial banks urgent, help the bank wealth generation andvalue-added, contribute to the national bank system reform, helps the banks toimprove their management level.The development situation of China’s commercial banks capital gains andincome risk constraint constraint continues to strengthen, control and management ofcost of the one of the most important financial indexes to the bank charges is veryimportant. The city commercial banks, the comprehensive reform and perfect thestructure in the process of an indispensable part is process reengineering costmanagement mode, improve the overall competitiveness of the banks, bankmanagement and promoting digestion burden banks engaged in various benefitenhancement, has played the role of play a decisive role.Since the Bank of Jilin has been established, although makes great progress, butthere are still some defects in the management methods, especially the cost controllink in the process of operation, exposed many problems in the cost control. In thispaper, the Bank of Jilin as the primary object of analysis, with the cost managementtheory as a foundation, analysis and description analysis method, using case studymethod, literature, focuses on the analysis of present situation of control operatingexpenses of Bank of Jilin, in-depth analysis of the problems and defects of operatingcost control, improve the overall quality of staff, respectively, from the establishmentof operating expenses the responsibility center, perfect the cost optimization of fouraspects of business process describes the method to solve the problem of the controlof examination, operation mechanism, and perfected and improved, proposals andcountermeasures are put forward, which effectively improve operational efficiency,management ability of the bank and the competitiveness of the industry, so that it canmeet the requirements of long-term development bank and face the competitionsituation of modern finance, improve economic efficiency, reduce operating costs, enhance the comprehensive competitive ability, also provides decision-makingreference and theoretical basis for how to implement the cost management of China’scity commercial banks, city commercial banks in China to promote better and fasterdevelopment progress.