China Postal Savings Bank Branch A Comprehensive Cost Management Situation And Development Strategy

With the increasingly complex domestic and international economicsituation, the financial markets in an increasingly competitive, foreign bankentry, the rise of private banks, the interest rate reform, financialdisintermediation, Internet financial development, etc., gave the traditionalbanking business development has brought enormous shocks. New economicform changing patterns of human social and economic development, but alsochanging the management philosophy of commercial banks, the decision of amodern commercial bank cost management of change and innovation.In the fierce competition in the financial markets, banks increasinglynarrow profit margins, relying on extensive expansion and of the traditionalmanagement model can not meet the development of the times, the bank hadto discover a way to help commercial banks to maintain the sustainabledevelopment roads and refined cost management. Commercial bank for thebank overall cost management theory provides a better development of futureintellectual support.Foreign banks have been proved through practice a comprehensive costmanagement approach can effectively overcome the drawbacks of traditionalcost management, to achieve full line, the whole process, full costmanagement and more accurate by department, products, customers,institutions for a reasonable fee collection and allocation to reflect the real costof bank for management decision-making to provide strong support. I wherethe Postal Savings Bank A branch was established a short time, on costmanagement is still in the exploratory stage.This article from the commercial banks to start a comprehensive overviewof cost management, cost management review of domestic and foreigncommercial banks in the development path, outlining a comprehensive costmanagement of content and method, a comparative analysis of thestate-owned commercial banks and commercial banks in the developed Western countries cost management of the similarities and differences,analysis of China’s commercial banks defects of traditional cost managementand the West Bank superiority of comprehensive cost management, summedup the implementation of a comprehensive cost management is a state-ownedcommercial banks to enhance the competitiveness of the inevitable choice,and combined with my postal where Reserve Bank A branch of the current costmanagement, analyzed the problems, find the cause of the problem andproposed the development of measures: deepen comprehensive costmanagement concept, optimize cost management organizational structure,establish responsibility accounting system, strengthen cost fine management,establish a complete information accounting system, to ensure that businessdecisions to provide timely and accurate data.