锦州银行绩效考核方案设计研究

发布时间：2018-01-14 01:10

本文关键词：锦州银行绩效考核方案设计研究　出处：《哈尔滨工程大学》2012年硕士论文　论文类型：学位论文

更多相关文章： 锦州银行 平衡计分卡 绩效考核 KPI

【摘要】：随着我国经济的快速发展,作为经济的中心行业——金融业也在迅猛的发展。在我国国内，各大银行的竞争日益激烈。而作为后起之秀的城市银行，同样面临着巨大的压力。对于城市银行而言，如何利用自己的优势，在风险管理能力的范围内，拓展现有的市场占有率，并扩大其营业范围；有效的利用绩效管理理论提高银行的收益和员工的能力都是银行势在必行的研究问题。近几年我国金融行业的不断发展，其经营业务范围也随之扩大。在业务服务模式需要改进的前提下，即保证国有银行提高实际营业收益，同时改善经营方式，改变传统的规模性增长营业方式。因此，改革团队成分，保证专人专责专项业务的问题，成为我国国有银行体制改革中管理者不可回避的重要问题。针对现阶段业务水平很难满足目前的市场需求。因此，对于国有银行的绩效考核体制的改革已经势在必行。研究发现国内银行存在如下几点问题：一是未涵盖资本有偿使用的理念；二是过分强调财务指标计划的考核，支行过多的通过扩大业务规模来提高效益；三是考核方案的财务指标化，不能有效的表现出银行这种特殊服务行业的行业特征，尤其是针对银行行业自身的风险性问题，更是难以通过绩效考核表现出来。因此，国内银行建立适合各自特点的绩效考核方案是每一家银行有利于自身发展的重要任务。本文就是以锦州银行为研究对象，利用相关的绩效考核理论设计一套符合锦州银行的绩效考核方案。锦州银行在众多的城市银行中属于后起之秀，在近十几年的发展中，已经发展成拥有千亿资产的城市银行，在我国城市银行界被评为B级银行。锦州银行在成立之初使用目标管理的绩效考核方法，随着锦州银行公司服务范围的扩大和国内绩效考核体系理论的不断进步,锦州银行以RAROC绩效考核方法替代目标管理绩效考核方法。由于锦州银行规模的迅速发展，RAROC绩效考核方法不能满足锦州银行逐步发展的需要，为了有效的增加锦州银行员工的工作效率和公司利润,因为本文为锦州银行设计一条适应锦州银行发展需求的绩效考核方案。本文研究的是锦州银行绩效考核方案设计，共分为四章，如下：第一章，介绍本文的研究背景，研究目的和意义，介绍国内外有关绩效考核体系相关理论，之后介绍本文的研究思路、论文研究框架和本文的创新之处。第二章，讲述锦州银行绩效考核的现状及存在的问题，其中包括锦州银行概况、锦州银行总体的发展战略、锦州银行的绩效考核现状和其现实施的绩效考核方案中存在的问题。第三章，主要讲述锦州银行绩效考核方案设计过程，，其中主要研究了锦州银行绩效考核方案的设计目标设计与原则；锦州银行绩效考核方案的设计流程；在锦州银行绩效考核方案中所运用的绩效考核理论和方法；在这些前提条件下，确定绩效考核主体与考核周期；绩效考核方案最重要的部分是绩效考核指标体系的设计和考核指标权重值的确定。第四章，在所设计的比较完善的绩效考核方案的基础上，笔者为了使锦州银行绩效考核方案有效的实施而设计了相关辅助措施，包括改善锦州银行绩效考核制度;制定相关的员工激励措施;建立和改善相关的组织结构和推进企业文化的转变等进行了阐述。本文用文献研究法梳理了国内绩效考核的研究现状。本文通过运用问卷调查法处理绩效考核方案中的绩效考核指标体系和权重值；通过实例分析法，分析了目前锦州银行绩效考核方案存在的问题，并针对上述问题；运用平衡计分卡、KPI关键指标法、360绩效考核法和主观经验法等相关绩效考核理论与方法。在深入调查研究的基础上，综合上述理论和方法对锦州银行绩效考核方案进行设计。期望本方案能够发挥锦州银行员工的主观能动性，全面改善银行的内部经营状况，促进锦州银行的全面发展。
[Abstract]:With the rapid development of China's economy, as the center of industry economy, financial industry is in rapid development. In our country, the major banks in the increasingly fierce competition. As the bright younger generation of the city bank, is also facing great pressure. For city banks, how to make use of their own advantages, in the range of risk management ability, expand the existing market share and expand its business scope; the effective use of performance management theory to improve the ability of the bank's income and the staff are on the bank is imperative.
The continuous development of China's financial industry in recent years, its business scope is also expanding. In the business service model needs to be improved under the premise of ensuring the state-owned banks to improve the actual operating income at the same time, improve management, change the traditional growth mode of business. Therefore, the reform of the team composition, being in charge of special service guarantee the problem, become an important problem of management reform of Chinese state-owned banks in the system can not be avoided. According to the service level at this stage it is difficult to meet the current market demand. Therefore, the reform of the state-owned commercial bank performance appraisal system is imperative. The study found that domestic banks exist the following problems: the first is not covering compensation for the use of capital the idea is too much emphasis on financial indicators; two plan assessment branch too much to expand its business scale to improve efficiency; three is the financial index evaluation scheme And can not effectively show the bank special service industry characteristics, especially for the risk of the banking industry itself, it is difficult to through the performance appraisal performance. Therefore, the domestic banks to establish performance appraisal program for their respective characteristics is an important task for every bank in favor of their own development. This is to the Bank of Jinzhou as the research object, using the related theory of performance appraisal with the Bank of Jinzhou to design a set of performance appraisal program.
The Bank of Jinzhou in many city banks belong to the bright younger generation, in nearly 10 years of development, has billions of assets of the city bank, the bank in the city circle of our country was named the B bank. The Bank of Jinzhou using performance appraisal goal management method in the beginning, with the progress of the expansion of the Jinzhou bank service company the scope and the domestic performance appraisal system theory, the Bank of Jinzhou to RAROC performance evaluation method for alternative methods of performance appraisal management goals. Due to the rapid development of Jinzhou bank scale, RAROC performance evaluation methods can not meet the needs of the gradual development of the Bank of Jinzhou, Bank of Jinzhou in order to effectively increase the staff's working efficiency and profit of the company, because the Bank of Jinzhou the design of a performance appraisal system of the Bank of Jinzhou to adapt to development needs.
This paper studies the design of the performance assessment scheme of Jinzhou bank, which is divided into four chapters, as follows:
In the first chapter, we introduce the background, purpose and significance of the research, introduce the related theories of performance appraisal system at home and abroad, then introduce the research train of thought, research framework and innovation of this paper.
The second chapter describes the current situation and existing problems of performance appraisal of Jinzhou bank, including the general situation of Jinzhou bank, the overall development strategy of Jinzhou bank, the current situation of performance appraisal of Jinzhou bank and the problems existing in its implementation of performance appraisal plan.
The third chapter, the main performance evaluation plan about the Bank of Jinzhou, which mainly focuses on the design of the target design and principle of performance appraisal system of the Bank of Jinzhou; design process of bank performance appraisal scheme of Jinzhou; performance appraisal theory and method applied in the performance appraisal system in the Bank of Jinzhou; in these conditions, determine the performance evaluation subject with the appraisal cycle; the most important part of the performance appraisal system is to determine the design and assessment indicators of performance evaluation index system of values.
The fourth chapter, based on the relatively perfect performance appraisal program design on the relevant auxiliary measures the author designed in order to implement the performance appraisal scheme of Jinzhou banks, including improving the performance appraisal system of Jinzhou bank; incentive measures related staff; establish and improve the relevant organizational structure and promoting enterprise culture change discussed in this paper.
This paper uses literature research method combing the domestic research status of performance appraisal. This paper uses the method of questionnaire investigation processing performance appraisal program performance evaluation index system and weight value; through the case analysis, analysis of the current performance appraisal system of Jinzhou banking problems, and to solve the above problems; using balanced scorecard, key performance indicators KPI 360, performance assessment of subjective experience and related performance evaluation theories and methods. Based on in-depth research, the theory and method to design the performance appraisal scheme of Jinzhou bank. This scheme can give full play to the initiative of Jinzhou bank employees, improve the internal operating conditions of the bank, to promote the overall development of the Bank of Jinzhou.

【学位授予单位】：哈尔滨工程大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

【参考文献】