商业银行考核激励机制比较研究

发布时间：2018-06-15 13:01

本文选题：商业银行考核 + 绩效考核　；参考：《宁波大学》2014年硕士论文

【摘要】：商业银行是以多种金融负债筹集资金,多种金融资产为经营对象,以营利为目的的企业和有信用创造功能的金融机构。它具有从事业务经营所需要的自有资本,把依法经营,照章纳税,利润最大化做为经营目标。商业银行中合理的考核激励机制能够有效地激发出员工的主动性、积极性、创造性,尽最大可能的激发出来员工的潜在能力,提高全员劳动生产率,加速银行的长期稳健发展,因此,如何制定合理的考核机制来帮助商业银行进行有效的公司治理具有重要的的理论以及现实意义。我国商业银行近些年来用绩效考核作为对于员工进行考核的主要方式,后根据各行自身发展和特点采用不同的激励方法来形成完整的考核激励机制,力争对员工的工作效率、成长、学习、发展、素质、能力进行全方面的考核激励。因此,本文将商业银行的绩效考核作为银行考核机制的唯一研究对象,通过对不同类型的银行考核激励机制的比较,得出不同银行在考核激励机制的优缺点,从而提出相应改进考核激励机制的建议,指导商业银行经营实践。本文第一部分对国内商业银行绩效考核激励机制的相关理论进行了综述,主要介绍了绩效考核、激励机制的概念、构成和功能,以及与绩效考核激励机制相关的理论。第二部分指出现行商业银行绩效考核激励机制的现状、尚存的不足以及完善商业银行考核激励机制的意义,着重对我国大型国有银行与股份制银行绩效考核激励机制不同点进行研究阐述说明。第三部分通过数据表格、数据图的使用,考量银行不同的考核激励机制对于银行经营状况的影响。第四部分立足于我国商业银行经营现状,从商业银行不同角度不同的岗位提出考核激励机制设计的要点和思路,从以岗定薪、业绩考核、公开薪酬收入、调整结构、重视长期激励等方面提出了优化银行考核激励机制的建议。
[Abstract]:Commercial banks are enterprises and financial institutions with the function of credit creation, which raise funds with various financial liabilities, take various financial assets as the operating object, and aim at making profits. It has its own capital for business operation. It aims to operate according to law, pay taxes according to regulations and maximize profits. The reasonable examination and incentive mechanism in commercial banks can effectively stimulate the initiative, enthusiasm and creativity of employees, stimulate the potential ability of employees as far as possible, improve the labor productivity of the whole staff, and accelerate the long-term steady development of banks. Therefore, how to establish a reasonable assessment mechanism to help commercial banks to carry out effective corporate governance has important theoretical and practical significance. In recent years, the commercial banks of our country take the performance appraisal as the main way to assess the employees, and then according to the development and characteristics of the banks, they adopt different incentive methods to form a complete assessment incentive mechanism, and strive to improve the efficiency of the employees. Growth, learning, development, quality, ability for all aspects of the examination and motivation. Therefore, this paper takes the performance appraisal of commercial banks as the only research object of bank appraisal mechanism, through the comparison of different types of bank appraisal incentive mechanism, obtains the merits and demerits of different banks in the appraisal incentive mechanism. Therefore, the paper puts forward the suggestion of improving the examination and incentive mechanism and instructs the commercial banks to operate in practice. The first part of this paper summarizes the relevant theories of the performance appraisal incentive mechanism of domestic commercial banks, mainly introduces the performance appraisal, the concept, the structure and the function of the incentive mechanism, as well as the theory related to the performance appraisal incentive mechanism. The second part points out the current situation of the current performance appraisal incentive mechanism of commercial banks, the remaining deficiencies and the significance of perfecting the evaluation incentive mechanism of commercial banks. The differences of performance appraisal and incentive mechanism between large state-owned banks and joint-stock banks in China are studied and explained. In the third part, through the use of data table and data graph, the influence of different assessment and incentive mechanism on bank management is considered. The fourth part is based on the current situation of commercial banks in China, from different angles of different positions of commercial banks put forward the main points and ideas of the design of the examination incentive mechanism, from the post fixed salary, performance assessment, open salary income, adjust the structure. This paper puts forward some suggestions on how to optimize the incentive mechanism of bank assessment in the aspects of long-term incentive.
【学位授予单位】：宁波大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F272.92

【参考文献】