基于平衡计分卡的YZ银行绩效评价体系研究

发布时间：2018-05-30 04:39

本文选题：商业银行 + 绩效评价　；参考：《哈尔滨商业大学》2017年硕士论文

【摘要】：随着各商业银行的增速越来越快,同行间的竞争愈演愈烈,这主要归结于互联网金融和利率市场化的发展。金融业在国民经济中具有重要地位,因其自身特殊性,即现代经济是市场经济,本质上就是发达货币信用经济或金融经济;再者,金融业在现代经济发展中起调节性作用。而商业银行的健康发展在一定程度上推动着金融业的发展,商业银行是直接参与市场经济活动的主体,联系货币政策,也是货币流通的重要媒介。在商业银行重视业务业绩、持续扩张的形势下,银行内的绩效管理越发突出。目前来说商业银行还未完善绩效评价机制,而有效的绩效评价体系能够促进商业银行的发展。平衡计分卡这种方法,打破了传统绩效评价的限制,更大限度地将银行的战略目标转化为具体可见的管理流程,具有极强的可操作性。对于推动商业银行快速健康发展,将银行绩效与战略相结合具有重要意义。以YZ银行为例,分析YZ银行的绩效评价体系的具体情况,同时分析如何根据实际情况构建有效的绩效评价体系。通过运用文献综述法、案例分析法和层次分析法对平衡计分卡在YZ银行中的应用进行剖析,共分为五部分:首先,通过对研究的目的、意义、内容和方法的介绍为下文研究做好前提。其次,对国内外银行所使用的绩效评价方法进行相应的比较以及剖析绩效评价和平衡计分卡之间存在的联系,并结合商业银行的特征,确定了平衡计分卡对于绩效评价体系的重要地位。接下来通过YZ商业银行,结合其内部的实际情形和发展过程中遇到的问题,通过层次分析的方法建立该银行的评价体系。此体系以YZ商业银行的战略目标为根本内容,继而将该目标一层一层地落实到银行的所有部门和全体职员中,并对该体系应用于银行内部产生的影响进行评价。最后,有针对性的提出,基于平衡计分卡的YZ商业银行绩效评价体系的保障措施,希望能够促进YZ商业银行的健康发展。
[Abstract]:As the growth of commercial banks is growing faster and faster, the competition among the peers is getting stronger and stronger, which is mainly attributed to the development of Internet Finance and interest rate marketization. The financial industry has an important position in the national economy, because of its own particularity, that is, the modern economy is a market economy, in essence it is the developed currency credit economy or the financial economy; furthermore, gold The financial industry plays a regulatory role in the development of modern economy. The healthy development of commercial banks has promoted the development of the financial industry to a certain extent. Commercial banks are the main body of direct participation in the market economic activities. It is also an important medium of currency circulation. At present, the commercial bank has not yet perfected the performance evaluation mechanism, and the effective performance evaluation system can promote the development of commercial banks. The balanced scorecard has broken the limitation of the traditional performance evaluation and transformed the strategic target of the bank into a concrete and visible management process to a greater extent. In order to promote the rapid and healthy development of commercial banks, it is of great significance to combine the performance of the bank with the strategy. Take YZ bank as an example, analyze the specific situation of the performance evaluation system of YZ bank, and analyze how to construct an effective performance evaluation system according to the actual situation. By using the literature review and case analysis method The analysis of the application of the Balanced Scorecard in YZ bank is divided into five parts: first, through the introduction of the purpose, meaning, content and method of the research, the paper makes the premise for the following research. Secondly, it compares the performance evaluation methods used by the domestic and foreign banks and analyzes the performance evaluation and balance score. The relationship between the cards and the characteristics of commercial banks, the important position of the Balanced Scorecard for the performance evaluation system is determined. Then, through the YZ commercial bank, the evaluation system of the bank is established by the method of analytic hierarchy process, combining the actual situation within the commercial bank and the problems encountered in the process of development. This system is based on the Commercial Bank of YZ. The strategic goal is the basic content, then the target is put into all departments and staff of the bank from one layer to the other, and the impact of the system on the bank is evaluated. Finally, it is proposed that the safeguard measures of the YZ commercial bank performance evaluation system based on the Balanced Scorecard hope to promote the YZ The healthy development of commercial banks.
【学位授予单位】：哈尔滨商业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F830.42

【参考文献】