深圳农业银行A支行BSC绩效考核体系设计研究

发布时间：2018-07-31 20:34

【摘要】：近年来，我国商业银行面临复杂多变的金融环境。一方面，，随着中国加入WTO，国内金融市场全面开放，我国金融市场国际化为我国商业银行带来了不小的冲击；另一方面，我国金融体制改革的不断深化，使得银行业的竞争正在不断加剧，这为我国商业银行的发展带来了前所未有的机遇和挑战。过去几十年中，国有大型商业银行一直在国民经济中发挥着中流砥柱的作用。为了迎接未来的挑战，国有大型商业银行必须要继续强化核心竞争力。绩效考核作为商业银行的一项基本管理职能，是建立科学运作机制，进而提升核心竞争力的有力武器。如何通过绩效考核有效地衡量国有大型商业银行的经营绩效，进而有力地管理绩效、提高银行的核心竞争力，是国有大型商业银行越来越不容忽视的问题。鉴于此，本文以深圳农业银行A支行为例，对我国商业银行，尤其是国有大型商业银行的绩效考核状况进行了深入研究。在研究绩效考核的相关概念和基本理论的基础上，对国内外商业银行绩效考核发展的不同历史阶段进行回顾。通过对近年来该领域内国内外相关研究进行对比研究，发现我国商业银行绩效考核中普遍存在绩效考核定位不清晰、指标设置短期导向、缺乏与考核相配套的激励措施、员工参与不足等问题。同时，本文进一步以深圳农业银行A支行为例，解读A支行绩效考核体系，对A支行考核实践中存在的具体问题进行深入剖析，进而以平衡计分卡为主要方法为深圳农业银行A支行探索一套相对科学合理、行之有效绩效考核体系，也为我国商业银行，尤其是国有大型商业银行支行层级绩效考核的研究与发展提供一些参考与借鉴。
[Abstract]:In recent years, China's commercial banks are faced with a complex and changeable financial environment. On the one hand, with China's entry into the WTO, the domestic financial market is fully open, and the internationalization of our financial market has brought not a small impact to our commercial banks; on the other hand, with the deepening of the reform of our financial system, The competition of banking is becoming more and more serious, which brings unprecedented opportunities and challenges to the development of commercial banks in China. In the past few decades, state-owned large commercial banks have been playing a mainstay role in the national economy. In order to meet the future challenges, state-owned large-scale commercial banks must continue to strengthen the core competitiveness. As a basic management function of commercial banks, performance appraisal is a powerful weapon to establish scientific operation mechanism and to enhance core competitiveness. How to effectively measure the operating performance of large state-owned commercial banks through performance appraisal, and then manage the performance effectively and improve the core competitiveness of the banks, are more and more problems that can not be ignored by large state-owned commercial banks. In view of this, this paper takes the A Branch of Agricultural Bank of Shenzhen as an example, and makes an in-depth study on the performance appraisal of Chinese commercial banks, especially the large state-owned commercial banks. On the basis of studying the related concepts and basic theories of performance appraisal, this paper reviews the different historical stages of the development of performance appraisal of commercial banks at home and abroad. Through a comparative study of domestic and foreign studies in this field in recent years, it is found that the performance appraisal of commercial banks in our country is generally lack of clear positioning, short-term orientation of indicators, and lack of incentive measures to match the performance appraisal. Lack of staff participation and other issues. At the same time, this paper takes the A Branch of the Agricultural Bank of Shenzhen as an example, explains the performance appraisal system of Sub-Branch A, and deeply analyzes the specific problems in the practice of the Appraisal practice of Sub-Branch A. Then the balanced Scorecard is used as the main method to explore a set of relatively scientific and reasonable, effective performance appraisal system for the Agricultural Bank of Shenzhen A, and also for the commercial bank of our country. Especially, the research and development of performance appraisal at branch level of large-scale state-owned commercial banks provide some reference and reference.
【学位授予单位】：云南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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