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1、商業(yè)銀行成本精細化管理的思路與運用（Thoughtsandapplicationoffinemanagementofcommercialbankcost）ThoughtsandapplicationoffinemanagementofcommercialbankcostTheideaandapplicationoffinemanagementofcommercialbankcost2009-02-0321:51:32Foralongtime,underthespecialoperatingmechanism,China'sbankingindustryhasgrad
2、uallyformedthemanagementcharacteristicsofheavycreditindex,lightinternalmanagement,heavyquantitygrowthandlightqualitygrowth.Withthetrendofinternationalintegration,domesticcommercialbanks,whicharerelativelybackwardinmanagementmethodsandtools,arefacingseverecompetitionandchallenges.Howtom
3、akeuseoftechnicalmeanstocarryoutmeticulousmanagementofcosts,reduceoperatingcosts,improvemanagementlevelandbuildcompetitiveadvantagesoftheindustryhasbecomethecorecontentofbankfinancialmanagementatthepresentstage.ThispaperintendstointroducehowtorealizethefinemanagementofcostthroughtheSAP
4、system,andmakeapreliminaryexplorationofthefinancialmanagementofthedomesticcommercialbanks.First,thecostfinemanagementisthecorecontentofthecommercialbankfinancialmanagementatthisstageThetraditionalcostmanagementisakindof"costcontrol"method,thecostcontrolismainlyresponsibleforthefinancia
5、ldepartment,toreducebudgetandreduceexpenditureandothermethodstoachieve.Thisapproachhasacertainsubjectivity,withoutconsiderationofcostfactors,itisdifficulttoworkforalongtime.AfterChina'saccessiontotheWTO,thepaceofentryofforeignbanksaccelerated,andfinancialproductscontinuedtoemerge,andth
6、emarketcompetitionbecameincreasinglyfierce.Facedwiththissituation,customerrelationshipmanagementandproductmanagementofthepursuitofpersonalitydifferencesrangehasbecomeamajormeanstoimprovethecompetitivenessofcommercialbanks,banksneedtoeachbusinessmanagementactivitiesandbusinesssectorsina
7、ccordancewiththerequirementsofintensivemanagement,input-outputanalysis.Accordingtothecostincomeratio,eachbusiness,everydepartment(Network),eachemployee'schoice,advanceandretreatisdetermined.Therefore,themarketrequirementsofproductinnovationandcustomerrelationshipmanagementinthebankco
