基于风险管控的商业银行组织绩效管理研究

发布时间：2018-03-21 00:51

  本文选题：商业银行　切入点：绩效管理　出处：《中国海洋大学》2012年硕士论文　论文类型：学位论文

【摘要】：当前,我国金融体制改革正向纵深推进,银行业面临的国内外经济金融形势更加严峻,银行间同业竞争也愈加激烈。单体银行在市场中要取得比较优势并实现可持续发展,就必须不断提升自身核心竞争力、整体效能和企业价值。实践证明,提高竞争力、效能和价值的最有效途径就是进行科学的绩效管理。 银行作为承担特殊职能的金融服务中介,其经营基础是“信用”,其经营内容是“风险”,其经营管理必须围绕实现安全性、流动性、盈利性的统一,这种杠杆行业的天性注定了“风险防控”是比“资产增值”更能延续银行长远发展之路的核心职能。因而,银行绩效管理必须充分体现风险管控导向,引导经营单位平衡收益与风险之间的关系,科学发挥绩效管理的有益激励与约束作用,在引导绩效提升的同时杜绝损害银行长期利益的短视行为。 本文从商业银行绩效管理如何促进银行可持续发展的立足点出发,基于风险管控视角,以组织绩效管理为重点,通过调查研究、比较分析、案例分析,查找诊断现行绩效管理体制存在的问题和缺陷,针对商业银行做出基于风险管控的组织绩效管理体系设计,并提出有效绩效管理的实施保障。本文对明晰、改善中资商业银行绩效管理理念和方式,实现对经营机构及员工的良性激励,推进银行的长期稳健发展和核心竞争力的提升具有一定的理论和现实意义。
[Abstract]:At present, the reform of China's financial system is advancing in depth, the domestic and foreign economic and financial situation of the banking industry is more severe, and the interbank competition is becoming more and more intense. The single bank should obtain the comparative advantage and realize the sustainable development in the market. It is necessary to continuously improve its core competitiveness, overall efficiency and enterprise value. Practice has proved that the most effective way to improve competitiveness, efficiency and value is to carry out scientific performance management. As a financial service intermediary with special functions, the bank's management base is "credit", and its management content is "risk". Its management must focus on the unification of security, liquidity and profitability. The nature of the leveraged industry is destined that "risk prevention and control" is a core function that can extend the long-term development of banks more than "asset appreciation." therefore, bank performance management must fully reflect the risk management direction. To guide the relationship between profit and risk, to give scientific play to the beneficial incentive and restraint of performance management, to guide the improvement of performance and to eliminate short-sighted behaviors that harm the long-term interests of banks. This paper starts from the standpoint of how to promote the sustainable development of commercial banks, based on the perspective of risk management, focusing on organizational performance management, through investigation and research, comparative analysis, case analysis, To find out and diagnose the problems and defects existing in the current performance management system, to design the organizational performance management system based on risk management for commercial banks, and to put forward the implementation guarantee of effective performance management. It is of theoretical and practical significance to improve the concept and method of performance management of Chinese commercial banks, to realize the benign incentive to the management institutions and employees, and to promote the long-term steady development of banks and the promotion of core competitiveness.
【学位授予单位】：中国海洋大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33;F272.92

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