Research On Customer-oriented Operation Cost Management Of Agricultural Bank Of China H Branch

As China’s economy enters the stage of high-quality development,people have higher requirements for products and services;In addition,with the popularization of Internet finance and the increasing number of domestic and foreign commercial banks year by year,domestic traditional commercial banks are in an increasingly fierce competition environment."customers" and "costs" are becoming more and more important for banks to achieve strategic development and sustainable growth.Taking AGBANK H as an example,this paper analyzes the interest rate model and cost management mode of bank loan business and finds that the cost calculation of this factor generated by the loan model based on benchmark interest rate plus point method is inaccurate.After the operation concept of "product-centered" is changed to "customer-centered",The current extensive cost system of AGBANK H Bank cannot meet the needs of strategic development.This article through to the agricultural bank H line loan pricing model of the cost control implementation of customer profitability analysis results,to homework cost method to the loan process of revenues,costs,and target profit by segmentation,respectively to calculate the cost of each activity in detail,this kind of take the customer as the center of customer profitability analysis can loan pricing model in ensuring that the bank and the customer satisfaction,Maximize customer interest.In addition,this article through to the ABC H branch channel value chain deconstruction,determine the operating table,and on the basis of data in November 2020,according to the resource agent and work motivation,the resource consumption of A and B on behalf of clients,the collection,according to summarize the results of the analysis,the last of H branch to "customer characteristics to distinguish between" cost control optimization,Meanwhile,specific suggestions are put forward for channel construction of H Branch.Customer-oriented business philosophy will lead to cost increase.On this basis,activity-based costing can be used to dynamically optimize processes,channels and pricing models to achieve cost reduction and customer value-added to the greatest extent.