基于平衡计分卡的A农村商业银行的银行绩效评价研究

发布时间：2018-05-11 18:05

本文选题：平衡计分卡 + 绩效评价　；参考：《阜阳师范学院》2017年硕士论文

【摘要】：中国的农村商业银行产生的历史背景比较特殊,其存在是为了我国的中央机构能够更好的管控农村信用合作社,减少其管理筹划的过程中可能会存在的风险。近些年来,随着我国金融体制改革力度的扩大,以及改革步伐的加速,我国的农村商业银行完成了快速的发展,但同时还面对着更为残酷的市场改革和挑战。我国农村商业银行一方面不仅要去积极应对来自于我国四大国有银行的强劲的同业竞争,另一方面还要同国内越来越多的外资银行相抗衡,如何在市场化经济体系中更好的把握住商机、完善提升自我,不仅需要农村商业银行为客户提供的金融服务更加多样化,同时要求我国的农村商业银行结合自身的优势和劣势,从各个层次去改善银行内部的绩效考核管理架构,建立一套适用于农村商业银行自身的战略目标和规划的,横向和纵向匹配的、科学合理有效的平衡计分卡绩效管理系统,由此来提升面对激烈的金融竞争的反应灵敏程度,打造更加稳固的机制体制,打造更加良好的成绩,在银行业立于不败之地。基于以上这些我国农村商业银行的现状,本论文以国内典型农村商业银行为研究对象,具体详细的阐释了农村商业银行如何进行绩效管理的优化,从平衡计分卡的角度去分析和改善我国农村商业银行的一些传统的绩效考核指标,并以A农村商业银行作为案例,通过调查问卷法以及专家访谈法、专家打分法确定了各个层次的指标的相应的权重,最终的目的是为了能够确立更加全面的农村商业银行绩效考核指标体系,希望能够为以后中国其他的农村商业银行绩效考核体系的改进工作提供一些参考和参照的价值。
[Abstract]:China's rural commercial banks have a special historical background, its existence is for China's central authorities to better control rural credit cooperatives, reduce the risk of its management planning process may exist. In recent years, with the expansion of the reform of our financial system and the acceleration of the pace of reform, the rural commercial banks of our country have completed rapid development, but at the same time they are facing more cruel market reforms and challenges. On the one hand, China's rural commercial banks should not only actively cope with the strong interbank competition from the four major state-owned banks in China, but also compete with more and more foreign banks in China on the other hand. How to better grasp the business opportunities and improve oneself in the market-oriented economic system, not only needs the rural commercial banks to provide more diversified financial services for customers, but also requires the rural commercial banks of our country to combine their own strengths and weaknesses. To improve the internal performance appraisal management framework of the bank from all levels, to establish a set of strategic objectives and plans for rural commercial banks, horizontal and vertical matching, scientific, reasonable and effective balanced Scorecard performance management system. From this to enhance the responsiveness to the fierce financial competition, to create a more stable mechanism, create a better performance in the banking industry in an invincible position. Based on the status quo of the rural commercial banks, this paper takes the typical rural commercial banks as the research object, and explains in detail how to optimize the performance management of the rural commercial banks. From the point of view of balanced scorecard, this paper analyzes and improves some traditional performance appraisal indexes of rural commercial banks in China, and takes A rural commercial bank as a case, through questionnaire and expert interview. The expert scoring method determines the corresponding weights of each level of indicators, and the ultimate purpose is to establish a more comprehensive performance evaluation index system of rural commercial banks. Hope to provide some reference and reference value for the improvement of the performance appraisal system of other rural commercial banks in China.
【学位授予单位】：阜阳师范学院
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35;F830.42

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