在互联网和金融科技蓬勃发展的背景下,全球消费者都发生了变化,商业银行面对的客户群体与竞争对手也都在快速改变。同时,在市场资金面紧张的外部环境下,商业银行要获得长效的价值提升,应在经营发展中适应转型,由外延扩张转向深耕细作,由收入规模导向转向利润效率导向,在经营价值链引入全成本管理,通过资源配置的结构优化和管理提升,整合资源培育核心竞争力,实现综合价值提升。 In the context of the thriving Internet and financial technologies, consumers worldwide have changed, and the number of customer groups and competitors they face has also changed rapidly. In the meantime, under the circumstance of tight capital market, commercial banks need long-term value enhancement. They should adapt themselves to the transition during the operation and development, turn from expansion to deep plowing, turn from revenue-oriented to profit-oriented, The introduction of full cost management, through the optimization of resource allocation structure and management to enhance and integrate resources to cultivate core competitiveness, to achieve the overall value.