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论文编号：	14419
作者编号：	2320213553
上传时间：	2023/12/15 14:23:37
中文题目：	C商业银行经营成本管理的研究
英文题目：	Research on Cost Management of C Commercial Bank Operations
指导老师：	郝臣
中文关键字：	经营模式优化；内部管理改革；市场分析与风险管理；客户服务创新
英文关键字：	Business model optimization; internal management reform; market analysis and risk management; customer service innovation
中文摘要：	本文旨在深入探讨C商业银行的经营成本管理问题，并提出针对这些问题的有效解决策略。在现代金融环境中，银行业面临着日益激烈的市场竞争和成本管理的巨大挑战。本文首先分析了C商业银行经营成本管理的问题，包括组织结构冗杂、经营模式滞后、岗位职责不明确、存款负债结构不合理以及内部管理体系改革亟待完善等方面的挑战。 为了解决这些问题，本研究提出了一系列的改革和优化策略。首先，本文建议C商业银行加速技术升级和数字化转型的步伐，以降低运营成本和提高服务效率。此外，银行还需要加强内部管理和制度建设，优化职责分配和成本控制机制，以及强化市场分析和风险管理的能力。此外，通过更精准的市场定位和客户服务优化，银行可以更好地满足现代消费者的需求和预期，从而提升其市场竞争力和品牌影响力。 本研究还建议银行优化其资本配置策略，以实现更高的资本效率和收益率。同时，通过提高运营效率，银行可以进一步减少成本和提高利润。总体而言，通过本研究提出的改革和优化策略，C商业银行有望实现更高的运营效率和市场竞争力，从而为其未来的稳健发展奠定基础。
英文摘要：	This article aims to deeply explore the operating cost management problems of C commercial banks and propose effective solutions to these problems. In the modern financial environment, the banking industry is facing increasingly fierce market competition and huge challenges in cost management. This article first analyzes the problems of operating cost management of C commercial banks, including challenges such as complex organizational structure, lagging business model, unclear job responsibilities, unreasonable deposit liability structure, and internal management system reform that needs to be improved urgently. In order to solve these problems, this study proposes a series of reforms and optimization strategies. First, this article recommends that C commercial banks accelerate the pace of technological upgrading and digital transformation to reduce operating costs and improve service efficiency. In addition, banks also need to strengthen internal management and system construction, optimize responsibility allocation and cost control mechanisms, and strengthen market analysis and risk management capabilities. In addition, through more precise market positioning and customer service optimization, banks can better meet the needs and expectations of modern consumers, thereby enhancing their market competitiveness and brand influence. This study also recommends banks to optimize their capital allocation strategies to achieve higher capital efficiency and profitability. At the same time, by improving operational efficiency, banks can further reduce costs and increase profits. Overall, through the reforms and optimization strategies proposed in this study, C Commercial Bank is expected to achieve higher operating efficiency and market competitiveness, thereby laying the foundation for its future steady development.
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