PBESProceedings of Business and Economic Studies2209-26412209-265XBio-Byword Scientific Publishing Pty. Ltd.10.26689/pbes.v8i2.10492ArticleInvestigation into Custom-Built Operational Models for Small and Medium-Sized Commercial Bankshttps://artdesignp.com/journal/PBES/8/2/10.26689/pbes.v8i2.10492ZhangJie,ChenMing,SongXingzhi2025822025-05-07This 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.

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