基于平衡计分卡的枣庄银行绩效评价体系研究

发布时间：2018-05-15 03:34

本文选题：平衡计分卡 + 枣庄银行　；参考：《兰州理工大学》2017年硕士论文

【摘要】：随着金融领域改革的不断深入,作为金融市场重要主题的地方商业银行也在逐步发展,其市场竞争日益激烈,地方商业银行面临的市场环境越来越复杂。城市商业银行要想在激烈的竞争中争取市场主动权,就必须提高竞争力,完善现代银行管理制度。绩效评价作为一种有效直接的管理工具,成为商业银行实现战略发展的有效途径。本文以枣庄银行为例,利用文献综述研究法论述国内外商业银行绩效评价研究现状,分析了枣庄银行现行绩效考核体系以及存在的问题,引入平衡计分卡评价体系。根据枣庄银行的发展战略,运用SWOT法进行战略环境分析,基于平衡计分卡对枣庄银行绩效评价体系进行重新设计,把财务指标和非财务指标结合,从财务、顾客、内部流程、学习与成长、风险管理五个维度出发,重新构建了一套适合枣庄银行的绩效评价指标体系。综合运用调查问卷和层次分析法等工具,对五个一级维度以及子指标进行量化分析,确定其权重,对确定的权重量化处理,计算权数,通过对比同行业目标值,计算枣庄银行基于平衡计分卡综合得分,实现与原有绩效评价得分相对比。对平衡计分卡绩效评价体系的具体引用,发现枣庄银行发展过程中存在的问题,同时根据问题提出银行发展建议,从而验证了平衡计分卡模型评价枣庄银行绩效的可操作性和实用性。通过本文理论结合实际研究,以实例论证的方式阐述平衡计分卡绩效评价在枣庄银行绩效评价使用的可行性,通过构建适合枣庄银行自身的平衡计分卡绩效评价体系,实现绩效目标与商业银行发展战略的有效结合,从而为枣庄银行以及地方商业银行经营管理提供一种新的管理思路和手段,从而对平衡计分卡绩效评价在地方商业银行的应用提供一定的参考。
[Abstract]:With the deepening of financial reform, as an important theme of financial market, local commercial banks are gradually developing. The market competition of local commercial banks is becoming increasingly fierce, and the market environment of local commercial banks is becoming more and more complex. If the city commercial banks want to win the market initiative in the fierce competition, they must improve their competitiveness and perfect the modern bank management system. As an effective and direct management tool, performance evaluation has become an effective way for commercial banks to achieve strategic development. Taking Zaozhuang Bank as an example, this paper discusses the present situation of performance evaluation of commercial banks at home and abroad by literature review, analyzes the current performance appraisal system and existing problems of Zaozhuang Bank, and introduces a balanced Scorecard evaluation system. According to the development strategy of Zaozhuang Bank, using SWOT method to analyze the strategic environment, redesigning the performance evaluation system of Zaozhuang Bank based on balanced Scorecard, combining the financial index with non-financial index, from the financial, customer, internal process, Starting from five dimensions of learning and growth, risk management, a set of performance evaluation index system suitable for Zaozhuang Bank is re-constructed. By means of questionnaire and analytic hierarchy process (AHP), the paper makes quantitative analysis of the five first-level dimensions and sub-indicators, determines their weights, quantifies the weights, calculates the weights, and compares the target values of the same industry. The comprehensive score of Zaozhuang Bank based on balanced Scorecard is calculated and compared with the original performance evaluation score. Citing the performance evaluation system of balanced Scorecard, the problems in the development of Zaozhuang Bank are found, and the suggestions for the development of the Bank are put forward according to the problems. It verifies the maneuverability and practicability of the balanced scorecard model to evaluate the performance of Zaozhuang Bank. In this paper, the feasibility of performance evaluation of balanced Scorecard in Zaozhuang Bank is expounded by the combination of theory and practice, and the performance evaluation system of balanced Scorecard is constructed, which is suitable for Zaozhuang Bank. To realize the effective combination of the performance goal and the development strategy of the commercial bank, so as to provide a new management thought and means for Zaozhuang Bank and the local commercial bank. It provides some reference for the application of balanced scorecard performance evaluation in local commercial banks.
【学位授予单位】：兰州理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F830.42

【参考文献】