商业银行实施全面成本管理是转换经营机制、优化业务结构，建立节约性社会的有力举措。

It's powerful action of switching management system, optimizing operation frame and establishing economy type society for our national commercial bank to implement the total cost management.

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我建议，尽早开始综合经营的试点。允许试点金融机构开展国外商业银行普遍参与的业务，提供更加全面的客户服务。

I recommend early piloting of comprehensive services, allowing pilot financial institutions to operate in areas common among foreign commercial banks, to offer a wider range of services to customers.

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目前在华的外资银行可全面经营外汇及部分经营人民币业务。

Currently, foreign bank that operate in China are allowed to do all foreign exchange business and certain Chinese RMB business.

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