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面对经济新常态,邮储银行要提升精细化管理水平。把成本作为重要资源来管理,加快建立以效益为导向的成本配置机制,按照贡献和发展战略来配置成本。建立和完善经济资本管理体制,将风险资本化,将资本成本概念引入绩效考核,量化产品经济资本回报率,强化资本约束,让经营者更清醒地权衡经营风险及回报,实现收益、风险和成本的统一,扭转重规模轻管理的经营思想。建立全面的产品利率管理体系,在价格底线管理的基础上,建立价格协商机
Faced with the new normalcy of the economy, the Postal Savings Bank needs to enhance its fine management. The cost as an important resource to manage and speed up the establishment of a cost-oriented efficiency-based allocation mechanism, in accordance with the contribution and development strategy to configure the cost. Establish and improve the economic capital management system, capitalize the risk, introduce the concept of capital cost into the performance appraisal, quantify the rate of return on the economic capital of the product and strengthen the capital constraint so that the operator can more clearly weigh the operational risks and rewards and realize the benefits, risks and costs Reunification, reversing the heavy-scale light management of the business ideas. Establish a comprehensive product interest rate management system, based on the price of the bottom line management, the establishment of price negotiators