| With the development of social economy in our country, the financial industry,take the bank as the representative, is facing the increasingly fierce marketcompetition, some international financial institutions began to gradually enter into thedomestic market and participate in the competition. At the same time,market-oriented interest rate reform and the development of financial internet hasbrought huge impact to the traditional banking industry, the traditional bankingbusiness began to suffer from limitations, domestic financial institutions must achieveown development and progress through continuous reform and development,constantly explore new development ideas, innovation measures, change businessideas to meet the needs of the new development. To realize own transformation anddevelopment, this kind of train of make commercial banks changes from extensivedevelopment mode to intensive mode, banks no longer simply pursuit to maximizethe income, regardless of the cost, but to pursue benefit optimization, to improveefficiency index, to control costs based on the completion of revenue, andconstruction costs account for a large proportion in the cost of the entire banking.Therefore, how to reduce the construction cost has become the focus, whichChaoyang City branch of Postal Savings Bank of China enhances the benefit.The cost control of network construction are essential to the development ofcommercial bank, China postal savings bank, as a new commercial bank, ChaoyangCity branch of Postal Savings Bank of China have realized great leap in recent yearsin the development of the overall. With the increasingly fierce market competitionamong commercial banks, The market profit space of Chaoyang City branch of Postal Savings Bank of China has become relatively narrow, the low margin business simplemarketing, simple and extensive scale expansion, and so on, the traditionalmanagement pattern has not fully adapt to rapid development of financial markets Wemust continue to explore operational mode which is suited to market development.Facing the double pressure from domestic and international, in order to enhancethe competitiveness, Postal Savings Bank continues to expand network, seize theadvantage to achieve development and growth, and business outlets as importantservice platform to provide customers, the location and decoration affect customersimpression of bank in a certain extent, so bank attaches great importance to thenetwork construction, then the network construction cost control will inevitablybecome the most important content.Business scale of the bank is relatively small, but each network constructioninvestment from hundreds of thousands to millions of dollars, and has become thehuge costs, and it is particularly important to control network construction cost. Inorder to realize the control of construction cost, band must implements strict finemanagement mode in the bank construction, from the bank outlets housing rent orpurchase price, and the purchase of decoration outlets, through the establishment ofconstruction cost budget management mode, and strengthen the examination andsupervision, for decoration materials must adopt centralized purchasing model,bidding model for the construction unit, to establish strong supervision system,supervision company supervised the whole project, to reduce the costs, bankpurchasing and construction must strictly on the basis of contract procurement andconstruction, scientific managements each link, to achieve full range of finemanagement and cost control.Through the analysis of the current situation of the development of the postalsavings bank, compared with other commercial banks on the control of constructioncost differences, analysis of the current the traditional construction cost controlproblems, and the comprehensive analysis of the reasons, achieves a comprehensiveupgrade of the construction of bank outlets and explore the path of development, andthen find a way to solve the problem, and based on this, proposed the newdevelopment strategy. |
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