A Research On Total Cost Management For Commercial Bank: A Case Study Of J Bank Hunan Branch

With the increasing opening to the outside world of our country’s financial industry,the living conditions of the commercial Banks becomes increasingly difficult.Interest rate marketization, financial disintermediation and the rapid development of the Internet financial bring the significant influence to the survival of banking. In today’s fierce competition, commercial bank management activity already obtained the huge opportunity,also lies the huge challenge, how to keep commercial bank profits become difficult. Under this background, the optimization of commercial bank management system, the transformation management idea task all the more urgent. Through the expansion of scale in order to get past performance growth will be restricted by the existing market capacity,accelerate the road to explore the connotation of sustainable development, improve their own accumulation, improve the commercial bank management benefit is now the only way to seek development. Cost is very important for the realization of the bank profit and cost effective management to establish perfect cost management system can make the commercial bank has a cost advantage in market competition. In this paper, using the management accounting, financial management, commercial bank management theory and ideas, exploring theory of comprehensive cost management, from general to specific ideas and research the cost of the special industry in the comprehensive management of the new content and characteristic, to the application of total cost management theory in the commercial bank from theory to strategy aspects discussed, at the same time, choose the application of J bank branches in Hunan province comprehensive cost management case study, the main research content is based on the theory of comprehensive cost management of J bank branches in Hunan province capital costs and operating costs of management in the application of analysis to find out the problems and put forward Suggestions for improvement. In one of the main research results, this paper points out that establishing comprehensive pricing system for J bank branches in Hunan province, the importance of implementing cost leadership strategy; Second, the reasonable cost-sharing and process reengineering for J bank branches in Hunan province play an important role in increasing cost savings, Third, improve the input-output model for J bank branches in Hunan province and reasonable capital expenditure has a significant impact.