XY银行东莞D支行绩效考核体系优化研究

发布时间：2018-02-16 00:46

本文关键词： XY银行东莞D支行绩效考核体系优化平衡计分卡　出处：《广东财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：在激烈竞争的市场环境下,尤其是在2015年我国完成利率市场化之后,利率市场化改变了银行业已习惯的利率决定机制和变动规律,此变化对于股份制商业银行而言是一种巨大的挑战。最大也是最根本的问题在于:存款利率的提高、存贷款利率之间的拉近,使得银行面临着更严峻的生存环境,而股份制商业银行要生存必然要改变以往过度依赖利差的习惯,对政策作出根本性的调整。而存贷利差差距的缩小,使得银行业之间的竞争变得日益激烈,促使商业银行发展中间业务并加强综合化经营和争相引进高素质人才。各商业银行为能在激烈市场化环境下获得长远发展,便纷纷在积极扩大市场、提升服务质量、拓展和维护客户关系、吸引和留住人才、优化绩效考核体系等方面展开一系列的行动。对于股份制商业银行下的分支机构,不断优化绩效考核体系是其吸引和留住人才的重要措施,同时也是总行对分支机构业务发展情况、盈利能力、管理水平等进行了解的重要途径之一。本文在对商业银行绩效考核理论综述基础上,以实地调查和访谈的方式,对东莞D支行的绩效考核实施情况进行了解,并结合东莞D支行绩效考核实施情况而分析其绩效考核体系存在的问题,最后提出东莞D支行实施平衡计分卡进行绩效评价的必要性和可行性分析。在该章分析基础上,为改善东莞D支行绩效考核体系存在的问题,基于平衡计分卡理论,从平衡计分卡的财务指标、客户指标、内部流程指标、学习与成长指标入手,为XY银行东莞D支行设计绩效评价体系,并对东莞D支行绩效评价指标权重进行设计,最后再结合东莞D支行绩效考核评价体系设计结果,为该支行拟成功实施平衡计分卡的要素及落实对策,并对该支行运用平衡计分卡考核体系做出适当评价。
[Abstract]:In the fierce competitive market environment, especially after our country completed the interest rate marketization in 2015, the interest rate marketization has changed the interest rate decision mechanism and the change law which the banking industry has been used to. This change is a great challenge for joint-stock commercial banks. The biggest and most fundamental problem lies in: the increase of deposit interest rate and the narrowing of deposit and loan interest rates make banks face a more severe living environment. If joint-stock commercial banks want to survive, they must change the habit of relying too much on spreads and make fundamental adjustments to their policies. The narrowing of the gap between deposit and loan interest rates makes the competition between banks become more and more fierce. To urge commercial banks to develop intermediate business, strengthen comprehensive management and compete to introduce high-quality personnel. In order to achieve long-term development in a fierce market-oriented environment, commercial banks are actively expanding the market and improving service quality. Develop and maintain customer relations, attract and retain talent, optimize performance appraisal system, etc. For branches of joint-stock commercial banks, The continuous optimization of the performance appraisal system is an important measure to attract and retain talents, and it is also the development of the branch business and the profitability of the head office. On the basis of summarizing the theory of performance appraisal of commercial banks, this paper, based on field investigation and interview, makes an understanding of the implementation of performance appraisal in Dongguan D Branch. The problems in the performance appraisal system of Dongguan D Branch are analyzed. Finally, the necessity and feasibility of implementing balanced Scorecard in Dongguan D Branch are analyzed. In order to improve the problems existing in the performance appraisal system of Dongguan D Branch, based on the theory of balanced Scorecard, this paper starts with the financial index, customer index, internal flow index, learning and growth index of balanced Scorecard. The performance evaluation system of Dongguan D Branch of XY Bank is designed, and the weight of performance evaluation index of Dongguan D Branch is designed. Finally, the design results of performance evaluation system of Dongguan D Branch are combined with the design results of the performance evaluation system of Dongguan D Branch. The key elements of the balanced scorecard and its countermeasures are proposed for the successful implementation of the sub-branch, and an appropriate evaluation is made for the application of the balanced scorecard assessment system in the sub-branch.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33

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