Under The Background Of Internet Financial For Application Of Strategic Cost Management In Small And Medium-sized Commercial Bank

As the financial industry gradually to speed up the process of marketization, banking battle began to heat up, if you want to be able to stand out among them, you must work out their own strategic territory, get need from a strategic perspective, to make the original planning. In recent years, with the rapid development of Internet financial and the blossoming of e-commerce business, the banks are also under violent once again. Especially the compressive capacity is weak of small and medium-sized joint-stock commercial bank. At the same time, the development of financial industry and the network gradually combined with each other, make a lot of Internet became involved in banking. The traditional cost management theory has not fit banking obtain higher capital gains and the development of scale expansion, Cost accounting can no longer is the only key to cost management, but attention should be more focused on the process of effective cost information, avoid cost plan and target information asymmetry phenomenon to appear. It is in the face of such the overall business environment, strategic cost and to use it more and more into the enterprise cost management activities.This thesis is through the establishment of the value chain, strategic cost management theories and combining the current Internet financial as the research background. The purpose is to help the traditional commercial Banks, especially small and medium-sized commercial Banks how to survive in the changing environment. From the cost of the lifeline of enterprise development and growth as the breakthrough point, combination strategy analysis of enlarge the map of bank business help the bank to make the right decision, improve the economic benefit, and learn to use a competitor's idea, promote the development of cost management and technology.This thesis introduced the theory of value chain and strategic cost management theory, put forward the applied to the bank the feasibility and necessity of strategic transformation. First through to the commercial bank cost management under the background of the development course and in the present market of review and analysis of the status quo of the application, Outlines the commercial Banks in the process of operating cost management problems, and thinking and discussion on these questions, After expatiates the necessity of the implementation of strategic cost management is pointed out that the way of the survival state of the commercial Banks at present and the localization transformation, At last, through case analysis and expounds the HS commercial bank, Comprehensive, timely, accurately reflects the current Internet financial shock under the background of the cost management of commercial Banks how to do with the value chain as a clue for strategic planning and perfect, finally to achieve the target of increasing bank performance, This is using the theory of value chain and strategic cost management to help bank future development decision-making provides effective reference.