农村商业银行薪酬制度改革研究

发布时间：2018-08-11 12:26

【摘要】：随着我国农村金融体制改革的不断推进,农村信用社和信用联社也纷纷向农村合作银行和农村商业银行转轨。由于长期遗留下来的体制和机制上的缺陷,我国尚未建立相对科学、合理、公平、公正的农村商业银行薪酬制度和绩效管理制度,严重影响了农村金融机构员工竞争力的提升。由于缺少一套完整的体现不同岗位特点及业绩贡献的薪酬制度,使得农村商业银行的市场竞争力较弱,人才引进与培养的步伐较为缓慢。因此,农村商业银行薪酬制度改革及制度设计研究对于增强农村商业银行的市场竞争力,提升银行绩效和员工满意度具有较为重要的实际意义。大量的文献研究和实地调研成果表明,农村商业银行的发展需要员工保持一定的积极性和创造性,而具有激励作用的薪酬制度是调动员工积极性和创造性的一个重要保证。农村商业薪酬制度的形成是我国农村金融体制的新兴事物,它应当是一个渐进有序推进的过程,薪酬机制的设计不仅应该考虑银行业的一般性发展规律,还必须与当地的实际经济情况以及银行自身业务经营情况相匹配,从而保证薪酬制度设计的实用性、公平性和有效性。本文通过历史与现状分析、理论和实证相结合的研究方式,对农村商业银行薪酬制度改革及薪酬设计的相关理论问题进行了全面系统地研究,主要研究内容和创新点如下：(1)我国农村商业银行体制改革方向和薪酬制度改革的基础理论。本文回顾了国外农村商业金融组织的发展模式、经验教训以及对我国的启示,分析了我国农村商业银行发展进程和特点,并详细介绍了薪酬机制设计相关的委托代理理论、契约理论、激励理论和薪酬宽带理论。(2)农村商业银行的薪酬设计方法。从农村商业银行薪酬管理的历史分析入手,本文深入讨论了农村商业银行的薪酬改革进程与薪酬体制现状以及存在的问题和原因,探讨了农村商业银行薪酬设计的基本方法,通过模型研究了面向农村商业银行的薪酬设计方案,提出了相关的薪酬发放方式和薪酬评估方法,并结合芜湖市扬子农村商业银行薪酬改革实际,分析其薪酬设计的原则和具体方案,包括基本薪酬方案、福利性收入方案和绩效薪酬激励设计方案。(3)支撑农村商业银行薪酬体制建设的政策建议。本文提出并深刻分析了农村商业银行薪酬体制建设的相关政策建议,包括完善薪酬体制建设的企业环境,建立有效的岗位分析和评价体系；完善我国农村商业银行等级行管理制度,坚持“客观、公正、全面”以及“区别对待、整体协调、共同进步”的基本原则；完善农村商业银行业务流程,切实进行业务模式创新等。本文成果扩展了农村商业银行改革与发展的研究思路,丰富了农村商业银行薪酬机制建立的方法体系,为农村商业银行薪酬制度的设计提供了较为系统的解决方案。
[Abstract]:With the development of rural financial system reform in China, rural credit cooperatives and credit unions have also turned to rural cooperative banks and rural commercial banks. Due to the defects in the system and mechanism left over for a long time, China has not yet established a relatively scientific, reasonable, fair and just compensation system and performance management system of rural commercial banks, which has seriously affected the promotion of the competitiveness of employees in rural financial institutions. Due to the lack of a complete compensation system which reflects the characteristics of different posts and contributions to performance, the market competitiveness of rural commercial banks is weak, and the pace of talent introduction and training is relatively slow. Therefore, the research on the reform and design of rural commercial banks' compensation system is of great practical significance in enhancing the market competitiveness of rural commercial banks, improving bank performance and employee satisfaction. A large number of literature research and field research results show that the development of rural commercial banks needs employees to maintain a certain degree of enthusiasm and creativity, and the incentive role of the compensation system is an important guarantee to mobilize the enthusiasm and creativity of employees. The formation of the rural commercial compensation system is a new thing in the rural financial system of our country. It should be a gradual and orderly process. The design of the compensation mechanism should not only consider the general development law of the banking industry. In order to ensure the practicability, fairness and effectiveness of the salary system design, it is necessary to match with the local economic situation and the bank's own business operation situation in order to ensure the practicability, fairness and effectiveness of the salary system design. Through the analysis of history and current situation, the research method of combining theory and demonstration, this paper makes a comprehensive and systematic study on the reform of compensation system and compensation design of rural commercial banks. The main contents and innovations are as follows: (1) the direction of rural commercial bank system reform and the basic theory of salary system reform. This paper reviews the development model of foreign rural commercial and financial organizations, experiences and lessons, as well as the enlightenment to our country, analyzes the development process and characteristics of rural commercial banks in China, and introduces in detail the principal-agent theory related to the design of compensation mechanism. Contract theory, incentive theory and salary broadband theory. (2) compensation design methods of rural commercial banks. Starting with the historical analysis of compensation management in rural commercial banks, this paper discusses the process of salary reform in rural commercial banks, the present situation of compensation system and the existing problems and reasons, and probes into the basic methods of salary design of rural commercial banks. This paper studies the salary design scheme for rural commercial banks through the model, puts forward the relevant salary payment and salary evaluation methods, and combines the actual salary reform of Yangzi Rural Commercial Bank in Wuhu City. This paper analyzes the principles and specific schemes of the compensation design, including the basic salary scheme, the welfare income scheme and the performance compensation incentive design scheme. (3) the policy suggestions to support the construction of the compensation system of the rural commercial banks. This paper puts forward and deeply analyzes the relevant policy suggestions of the rural commercial bank salary system construction, including perfecting the enterprise environment of the salary system construction, establishing an effective post analysis and evaluation system; Improve the management system of rural commercial banks in China, adhere to the basic principles of "objectivity, impartiality, comprehensiveness" and "differential treatment, overall coordination, common progress", perfect the business process of rural commercial banks, Practical business model innovation. This paper expands the research ideas of rural commercial bank reform and development, enriches the method system of establishing rural commercial bank compensation mechanism, and provides a more systematic solution for the design of rural commercial bank compensation system.
【学位授予单位】：合肥工业大学
【学位级别】：博士
【学位授予年份】：2015
【分类号】：F272.92;F832.35

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