YC农村商业银行信贷客户经理激励机制研究

发布时间：2019-05-23 06:32

【摘要】：农村商业银行是由农村信用社改制而成的股份制商业银行,作为地方法人金融机构,其目的是服务三农及中小微企业,支持县域经济发展。随着四大国有商业银行及邮政储蓄银行等银行业务重点下沉县域甚至乡镇市场,金融业面临的竞争越发激烈,同时,近两年经济持续下行,贷款增长低迷及不良贷款大幅上升给银行带来更大的经营压力是整个金融业面临的重要课题。基于从事核心业务的信贷客户经理在银行落实经营战略目标时的地位和重要性,本文认为,构建有效的信贷客户经理激励机制是促使银行实现经营目标和信贷客户经理职业追求达到统一的重要方法。基于农村商业银行的重要性,本文以YC农村商业银行信贷客户经理激励机制为研究对象,通过岗位分析及调查问卷初步掌握信贷客户经理的现状,分析了该行信贷客户经理激励机制存在的问题与原因,提出了相应的对策。本文分为五章,第一章是绪论,主要阐述研究背景、研究目的与研究意义、研究思路与研究方法等;第二章是文献综述,界定了激励的内涵,梳理了国内外学者对激励理论研究情况,为后面的研究奠定了必要基础;第三章是分析了YC农村商业银行的现状、问题与原因。第四章是针对上述问题提出YC农村商业银行的优化措施,在此基础上,阐述了YC农村商业银行优化的保障措施。第五章是研究结论与展望,阐述了研究结论,指出本研究的不足,并对未来研究进行了展望。本研究的目的是旨在通过YC农村商业银行信贷客户经理激励机制研究,为YC农村商业银行及其他银行激励机制的构建提供有益借鉴。
[Abstract]:Rural commercial bank is a joint-stock commercial bank transformed from rural credit cooperatives. As a local legal person financial institution, the purpose of rural commercial bank is to serve agriculture, rural areas, farmers and small and medium-sized enterprises, and to support the development of county economy. With the four major state-owned commercial banks and postal savings banks and other banking priorities sinking into the county and even township markets, the financial industry is facing more and more fierce competition, at the same time, the economy has continued to decline in the past two years. Weak loan growth and a sharp rise in non-performing loans have brought greater operating pressure to banks is an important issue facing the entire financial industry. Based on the position and importance of credit account managers engaged in core business in implementing the strategic objectives of the bank, this paper argues that, The construction of effective credit account manager incentive mechanism is an important way to promote the bank to achieve the business objectives and the professional pursuit of credit account managers to achieve unity. Based on the importance of rural commercial banks, this paper takes the incentive mechanism of credit account managers of YC rural commercial banks as the research object, and preliminarily grasps the present situation of credit account managers through post analysis and questionnaire. This paper analyzes on the problems and causes of the incentive mechanism of the credit account manager of the bank, and puts forward some corresponding countermeasures. This paper is divided into five chapters, the first chapter is the introduction, mainly elaborated the research background, the research purpose and the research significance, the research train of thought and the research method and so on; The second chapter is a literature review, defines the connotation of incentive, combs the domestic and foreign scholars on the incentive theory research situation, laid the necessary foundation for the following research; the third chapter is the analysis of the current situation, problems and reasons of YC rural commercial banks. The fourth chapter puts forward the optimization measures of YC rural commercial banks in view of the above problems, and on this basis, expounds the safeguard measures of the optimization of YC rural commercial banks. The fifth chapter is the research conclusion and prospect, expounds the research conclusion, points out the deficiency of this study, and looks forward to the future research. The purpose of this study is to provide useful reference for the construction of incentive mechanism of YC rural commercial banks and other banks through the study of credit account manager incentive mechanism of YC rural commercial banks.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.35;F274

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