商业银行公司客户经理绩效考核研究

发布时间：2018-08-22 17:39

【摘要】：绩效考核是企业人力资源管理系统的重要组成部分，建立绩效考核方案是进行绩效管理的一个新的发展方向，是关系到整个管理系统的重要环节。随着中国金融市场对外全面开放和利率市场化进程的加快，商业银行公司业务在全行业务发展中处于非常重要的地位，公司业务的发展和创新直接决定了银行的效益状况。因此，如何对客户经理的业绩进行正确的评价、对客户经理采取怎样的激励措施以激发其潜能以及如何建立健全商业银行公司客户经理绩效考核体系，对国内商业银行来说是一个全新而重大的课题。尤其对于国有商业银行，如何根据自身的实际情况，建立一套科学的公司客户经理绩效考核体系以提高市场竞争力，是国有商业银行能否发展壮大的关键。鉴于此，本文从绩效考核的理论和方法出发，结合某地市商业银行的具体实践，全面探讨了公司客户经理绩效考核方案的设计问题。本文主要从三个部分展开研究：第一部分研究了绩效考核理论及其考核方法。首先阐述了绩效考核的内涵及意义，然后对商业银行客户经理绩效考核方法进行了详细的论述，商业银行客户经理绩效考核方法包括经济增加值法、风险量化法、关键业绩指标法和平衡计分卡法。第二部分对某地市商业银行公司客户经理绩效考核现状进行了分析。首先对某地市商业银行的经营现状、公司业务发展地位以及全行组织结构进行了描述，接着重点分析了公司客户经理绩效考核现状，并指出了现有的公司客户经理绩效考核方法中存在的问题。第三部分从理论联系实践的角度，针对现有公司客户经理考核方法中存在的问题，在考虑业务风险大小和滞后性、公私联动营销、短期目标与长期目标平衡等的基础上，引入风险量化因素，以平衡计分卡法为基础，从财务、客户、内部经营、学习和成长四个维度对现有公司客户经理的考核方案进行优化，，以期达到能为某地市商业银行公司客户经理绩效考核方案的建立提供借鉴基础和参考依据。
[Abstract]:Performance appraisal is an important part of enterprise human resource management system. Establishing performance appraisal scheme is a new development direction of performance management and an important link related to the whole management system. With the opening of China's financial market to the outside world and the acceleration of the interest rate marketization process, the commercial bank company business is in a very important position in the development of the whole bank business. The development and innovation of the company business directly determine the bank's benefit situation. Therefore, how to correctly evaluate the performance of the customer manager, what kind of incentive measures should be taken to stimulate the potential of the customer manager, and how to establish and improve the performance appraisal system of the customer manager of the commercial bank company, It is a new and important subject for domestic commercial banks. Especially for state-owned commercial banks, how to set up a set of scientific performance appraisal system of customer managers in order to improve the market competitiveness is the key to the development and expansion of state-owned commercial banks. In view of this, based on the theory and method of performance appraisal, combined with the practice of commercial bank in a certain city, this paper discusses the design of the performance appraisal scheme of customer manager in a company. This paper mainly from three parts: the first part of the study of performance appraisal theory and evaluation methods. Firstly, the connotation and significance of performance appraisal are expounded, and then the methods of performance appraisal of customer managers in commercial banks are discussed in detail. The methods of performance appraisal of customer managers in commercial banks include economic added value method, risk quantification method, and so on. Key performance indicators and balanced scorecard. The second part analyzes the current situation of customer manager performance appraisal in a city commercial bank company. First of all, the paper describes the management status, business development status and organizational structure of a city commercial bank, and then analyzes the current situation of customer manager performance appraisal. And pointed out the existing company customer manager performance appraisal method exists the question. In the third part, from the angle of combining theory with practice, aiming at the existing problems in the examination method of customer manager, considering the size and lag of business risk, public-private linkage marketing, short-term goal and long-term goal balance, etc Based on the balanced Scorecard method, this paper introduces risk quantification factors, optimizes the evaluation scheme of the existing company's account manager from four dimensions: finance, customer, internal management, learning and growth. In order to provide reference basis and reference for the establishment of customer manager performance appraisal scheme of a commercial bank company in a certain city.
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F272.92;F832.33

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