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商业银行是一类以盈利为目的的企业,较专业银行,商业银行的业务更为综合,功能更为全面,经营着金融零售业务和批发业务,所谓金融零售是指门市服务,而批发业务是指大额信贷业务,商业银行能够为客户提供所有的金融服务。随着商业行业的业务的经营范围逐渐加大,我国商业银行的数量逐渐增加,这也就增大了商业银行的间的竞争。因此,商业需要积极的对经营成本进行管理,为客户提供优质的服务,进一步提高商业银行的经营成本。本文对商业银行经营成本管理中存在的问题进行分析,并结合实际情况,提出合理的优化经营成本管理措施,以期为相关人员提供参考,积极促进商业银行经营成果提升,实现商业银行的经济效益与社会效益。
Commercial banks are a type of profit-oriented enterprises. They are more comprehensive and more comprehensive in their functions than those of specialized banks and commercial banks. They operate financial retail and wholesale businesses. Financial retail refers to store services while wholesale businesses are Refers to large credit business, commercial banks to provide customers with all the financial services. With the gradual increase of the business scope of the commercial industry, the number of commercial banks in our country is gradually increasing, which increases the competition among commercial banks. Therefore, the business needs to actively manage the operating costs, provide quality services to customers, and further enhance the operating costs of commercial banks. This article analyzes the problems existing in the management of commercial bank’s operating costs and puts forward reasonable measures to optimize the management of operating costs in the light of the actual situation so as to provide references for the relevant personnel and actively promote the improvement of commercial banks’ operating results and realize the economic benefits of commercial banks Social benefits.