Investigation into Custom-Built Operational Models for Small and Medium-Sized Commercial Banks

This research centers on commercial banks’ human resource allocation. It constructs a staffing model grounded in human capital value creation theory and analyzes relevant factors through longitudinal panel data regression. Taking City Commercial Bank A as an instance, the model identifies 12.3% redundant positions and matches jobs with business scale. Additionally, the study proposes a “staffing effectiveness salary” system, providing a framework for optimizing commercial bank human capital in the digital age.