未来银行业的竞争,除了服务和营销能力,更为重要的是能否在成本管理上获得竞争优势。商业银行应在单纯控制和降低支出等传统成本管理的基础上,以提高财务资源投入产出效率为目标,对成本支出流程进行优化和管理,从源头上提升成本管理能力。 The future of banking competition, in addition to service and marketing capabilities, more importantly, whether the cost management can gain a competitive advantage. Commercial banks should optimize and manage the cost-expenditure process with the goal of improving the efficiency of input-output of financial resources on the basis of traditional cost management such as simple control and expenditure reduction and improve the cost-management capability from the source.