商业银行对公业务客户经理绩效考核系统的设计与实现

发布时间：2018-11-15 13:40

【摘要】：随着我国经济的快速发展,金融全球化竞争和信息技术的变革,商业银行正面临更多的机遇和挑战,商业银行业间的竞争也更加激烈。商业银行要继续保持市场竞争中的优势地位,就必须掌握更多有关战略决策的信息,从而使得经营管理行为与战略目标相一致,这对商业银行的绩效考核体系提出了新的挑战[1]。我国商业银行在资产质量尤其是不良贷款水平、盈利能力上与国际先进的外资银行存在较大差距。这就要求我国商业银行努力提高自身的绩效考核水平,增强自身竞争力,对我国商业银行现阶段以及今后的发展,具有现实意义[2]。商业银行的客户经理绩效考核系统是对银行客户经理的工作绩效进行考核,对绩效考核结果进行分析,并根据考核结果对员工施行一些奖励和处罚,激发员工的工作热情进而提高商业银行的业务能力水平,进而增强商业银行的管理水平和经济效益。本文通过分析我国商业银行绩效考核的现状及特点,在设计思想上注意考核结果的透明,更注重考核过程的透明,提高了考核工作的效率,同时提升了员工的工作积极性。业绩考核系统促使银行的经营管理者改善经营,调高效益,为提升银行业绩做出了贡献[3]并以JJ银行作为研究案例,首先对JJ银行的绩效考核管理工作进行了深入的调研,分析绩效考核工作中的利弊,在全面深入的理解了其绩效考核的工作内容和工作目标后,找到最佳的技术解决方案并依此对系统进行开发和建设,逐步进行需求调研,需求分析,概要设计,详细设计,数据库设计,系统实现,功能测试等。本文描述了JJ商业银行对公业务绩效考核系统的设计与实现,并对主要功能进行了描述:账户关系认定、费用计算、系统参数调整及考核结果查询等,其中系统参数调整是本系统的亮点,系统参数根据政策或客户要求调整,这一点能够有效的应对金融政策的变化,保证了JJ商业银行对公业务绩效考核的可靠性和灵活性。本系统已经在JJ商业银行成功上线运行,并运行稳定,已经成为某JJ商业银行重要的业务系统之一。
[Abstract]:With the rapid development of our economy, the competition of financial globalization and the change of information technology, commercial banks are facing more opportunities and challenges, and the competition among commercial banks is becoming more fierce. If commercial banks want to maintain their dominant position in market competition, they must have more information about strategic decisions, so as to make their management behavior consistent with their strategic objectives. This puts forward a new challenge to the performance appraisal system of commercial banks [1]. There is a big gap between China's commercial banks and the international advanced foreign banks in terms of asset quality, especially the level of non-performing loans and profitability. This requires our commercial banks to improve their performance appraisal level and enhance their competitiveness, which is of practical significance to the present stage and the future development of our commercial banks [2]. The customer manager performance appraisal system of commercial bank is to evaluate the work performance of bank customer manager, analyze the result of performance appraisal, and apply some rewards and penalties to the staff according to the result of appraisal. It can stimulate the working enthusiasm of the employees and improve the business ability of the commercial banks, and then enhance the management level and economic benefits of the commercial banks. Based on the analysis of the present situation and characteristics of the performance appraisal of commercial banks in our country, this paper pays attention to the transparency of the assessment results and the transparency of the assessment process in the design idea, which improves the efficiency of the appraisal work and at the same time promotes the enthusiasm of the staff. The performance appraisal system impels the bank manager to improve the management, adjusts the benefit, has made the contribution to the enhancement bank performance [3] and takes the JJ bank as the research case, first has carried on the thorough investigation to the JJ bank's performance appraisal management work. After analyzing the advantages and disadvantages of the performance appraisal, after fully understanding the work content and goal of the performance appraisal, we find the best technical solution and develop and construct the system according to this, and carry on the requirement investigation step by step. Requirements analysis, summary design, detailed design, database design, system implementation, function testing and so on. This paper describes the design and implementation of JJ commercial bank performance appraisal system for public business, and describes the main functions: account relationship determination, cost calculation, system parameter adjustment and examination result query, etc. The adjustment of system parameters is the highlight of the system. The system parameters are adjusted according to the policy or customer requirements, which can effectively respond to the changes in financial policies, and ensure the reliability and flexibility of JJ commercial banks to assess the performance of public business. The system has been running successfully and stably in JJ commercial bank, and has become one of the important business systems of a certain JJ commercial bank.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：TP311.52

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