A Research On Total Cost Management For D Branch Of A Commercial Bank

Along with the full liberalization of financial markets,as well as the marketization of interest rate gradually,fierce competition between commercial Banks,interest income and other traditional profit space gradually squeezed.In the face of challenges,commercial Banks should strengthen financial products innovation on the one hand,to strengthen business channels to expand and increase business opportunities,expand market share;Should strengthen the cost management on the other hand,continue to do a good job of cost allocation,aims to build a scientific system of management accounting,strengthen the bank,the cost of fine management to scientific and accurate accounting and reflect the reality of the various business lines and business unit contribution,improve management decision-making ability of financial support,further optimizes the allocation of financial resources,scientific advances the strategy of business structure adjustment.Total cost management as the principle and technology of the new use of modern management methods,is an important part of modern commercial bank operating mechanism is indispensable,the aim,content,method and management requirements of the modern commercial bank's internal consistent,to enhance the competitiveness of state-owned commercial Banks is of great significance.From the current situation of commercial bank cost management in China,there are cost management idea is weak,the cost allocation method is simple,the cost management subject single,accounting and basic problems such as data quality improvement.To change this unfavorable situation,introduced a comprehensive cost management idea,in order to comprehensively strengthen commercial banking cost control,improve the quality and efficiency of commercial Banks,is likely to be a good choice.This article through the analysis of the application of our country commercial bank total cost management present situation and existing defects,using the experience of mature foreign commercial bank comprehensive cost management,cost management in A commercial bank D branch of A bank as the research object,put forward the construction of A commercial bank comprehensive cost management system implementation countermeasure,to promote the competitiveness of the commercial Banks provide advice.In order to achieve the above objectives,this paper introduces the basic theory of total cost management and cost management of commercial Banks at home and abroad dynamic;Then analyze the cost of A commercial bank D branch management present situation and the characteristic,the existence question;Finally pointed proposed A commercial bank D branch total cost management of the implementation of the recommendations.According to the situation of our country commercial bank total cost management application,in A commercial bank D branch cost management mode,for example,hope that through this paper discusses the cost management of A commercial bank D branch model help,the reform of the current D branch management innovation,so as to improve its strategic management technology,to guard against operational risks,improve profitability,strengthen the commercial Banks' competitiveness.