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1、商業(yè)銀行成本精細(xì)化管理設(shè)想（Thoughtsonfinemanagementofcommercialbankcost）ThoughtsonfinemanagementofcommercialbankcostCostmanagementofcommercialbanks:acasestudyof2008-12-2015:11:42AfterChina'saccessiontotheWTO,thestate-ownedcommercialbanksarefacedwithmanychallenges
2、,andtherearegreatdifferenceswithforeignbanksinbusinessphilosophy,resourceallocation,servicemeans,financialinnovationandsoon.InordertoenhancetheoperatingcostconsciousnessofcommercialbanksinChina,improvetheiroperatingefficiencyandprofitability,itisimpe
3、rativetocarryoutfinemanagementofcost.First,theimplementationoffinemanagementofthecost,wemustoptimizetheorganizationalstructureThecommercialbankmustconductacomprehensiveanalysisoftheamountofprincipalandinterestonalloperatingmechanism,thetwoyearsagoand
4、thisyearastheanalysisperiod,includingdeposits,depositstructure,organizationalstructure,staffing,geographicallocation,developmentprospects,andwages,PR,businesscosts,fromtheexternalenvironmentandcompetitionsituationofclassify,combinedwiththerequirement
5、sofcostmanagement,maketheanalysisofstaticanddynamicevaluation,theagency'svitalityandgrowthpotential,andthenadjustthebranchesset,thisisthepremiseandguaranteecostfinemanagement.Two.Establishacostconfirmationsystemandformulateareasonablecostsharingmetho
6、dThefinecostmanagement,willchangethepastsinglebythefinancedepartmentregularlycostmanagementmode,graduallychangetheoverallcostmanagementforthewholeprocessofdynamicmanagement,thecommonthroughoutthewholerange.Inordertocarryoutthismanagementmode,twosteps
7、shouldbetaken:first,establishthecostconfirmationsystem,andthenestablishtheaccountingsystemofthefinemanagementofthecost.Theestablishmentofcostdeterminationsystemisthekeytothecostmanagement,isthemanagementbehaviorofthebank'sbusinessactivitiesandtheall-
8、round,thewholeprocessofcostdetermination,thenaccordingtothestandardcostastheimplementationofresponsibilitycost,toincreaserevenueeffect,realizetheprofitmaximization.Inpractice,firstly,accordingtothecostmanagementrequirementswillcostobjectsthatweresubd
