本文選題：商業(yè)銀行　切入點(diǎn)：績(jī)效考核　出處：《哈爾濱工業(yè)大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著金融危機(jī)在全世界范圍內(nèi)的不斷擴(kuò)散,國際經(jīng)濟(jì)形勢(shì)不斷惡化,國內(nèi)經(jīng)濟(jì)也深受其擾,發(fā)展速度明顯回落。未來,企業(yè)融資格局多元化,經(jīng)濟(jì)增長(zhǎng)動(dòng)力由要素驅(qū)動(dòng)和投資驅(qū)動(dòng)轉(zhuǎn)為創(chuàng)新運(yùn)動(dòng),技術(shù)應(yīng)用帶來的創(chuàng)新金融模式日益豐富,我國商業(yè)銀行所處的經(jīng)營(yíng)環(huán)境將發(fā)生復(fù)雜而深刻的變革。HBB銀行哈爾濱分行在近二十年的經(jīng)營(yíng)中取得了驕人的業(yè)績(jī),但面對(duì)金融市場(chǎng)的快速轉(zhuǎn)型,其擁有龐大基礎(chǔ)客戶群體、具有地域性資本、政策、品牌優(yōu)勢(shì),和盈利依賴存貸利差、管理手段滯后的劣勢(shì)都非常明顯。鑒于此,本文首先分析了金融市場(chǎng)環(huán)境的變化與銀行業(yè)所面臨的激烈競(jìng)爭(zhēng)和巨大挑戰(zhàn),提出了進(jìn)行科學(xué)績(jī)效考核的意義。通過對(duì)國內(nèi)、國外商業(yè)銀行績(jī)效考核理論發(fā)展過程的描述和對(duì)國內(nèi)外相關(guān)研究狀況的分析,從總體上對(duì)本文研究的目的和意義進(jìn)行了說明,并闡明了我國銀行業(yè)績(jī)效考核理論與國外先進(jìn)管理理論存在的差距和不足;然后文章對(duì)HBB銀行哈爾濱分行轄內(nèi)支行績(jī)效考核現(xiàn)狀及存在問題進(jìn)行了深入地分析。在對(duì)HBB銀行哈爾濱分行及其轄內(nèi)支行基本情況、經(jīng)營(yíng)形勢(shì)、現(xiàn)行績(jī)效考核制度體系現(xiàn)狀進(jìn)行了詳細(xì)描述后,作者運(yùn)用實(shí)地調(diào)研和資料收集等方式分析了HBB銀行哈爾濱分行對(duì)轄內(nèi)支行的現(xiàn)行績(jī)效考核中存在的問題和問題的成因,針對(duì)傳統(tǒng)方法和平衡計(jì)分卡等科學(xué)的績(jī)效管理方法進(jìn)行對(duì)比研究,為之后提出其支行績(jī)效考核方式優(yōu)化建議做好準(zhǔn)備。文章還闡述了對(duì)HBB銀行哈爾濱分行現(xiàn)行支行層級(jí)績(jī)效考核方案進(jìn)行優(yōu)化的必要性,并利用平衡計(jì)分卡原理確定考核指標(biāo),對(duì)各項(xiàng)指標(biāo)權(quán)重按層次分析法進(jìn)行了計(jì)算確定,然后明確了績(jī)效考核結(jié)果的使用方式。本文在最后還提出HBB銀行哈爾濱分行應(yīng)當(dāng)在營(yíng)造風(fēng)險(xiǎn)管理文化氛圍、應(yīng)用科技系統(tǒng)分解下達(dá)工作任務(wù)指標(biāo)、制定完整的考核流程以實(shí)現(xiàn)考核過程的不斷優(yōu)化和采用公開、透明的考核方式等方面多措并舉,加強(qiáng)考核保障措施,以達(dá)到績(jī)效考核效果的最優(yōu)化。本文所做的銀行績(jī)效考核優(yōu)化設(shè)計(jì)研究在我國的績(jī)效評(píng)價(jià)理論與實(shí)際相結(jié)合方面做出了有益的探索,對(duì)幫助類似銀行加強(qiáng)內(nèi)部風(fēng)險(xiǎn)管理,增加市場(chǎng)競(jìng)爭(zhēng)力也有一定的指導(dǎo)和借鑒意義。
[Abstract]:With the continuous spread of the financial crisis around the world, the international economic situation has been deteriorating, and the domestic economy has also been disturbed by it. The pace of development has dropped obviously. In the future, the financing pattern of enterprises will be diversified. The driving force of economic growth has changed from factor driven and investment driven to innovation, and the innovative financial model brought about by the application of technology is becoming more and more abundant. The business environment of commercial banks in China will undergo complex and profound changes. The Harbin Branch of HBB Bank has made remarkable achievements in the past 20 years of operation, but in the face of the rapid transformation of the financial market, it has a huge base of customers. The disadvantages of having regional capital, policies, brand advantages, and profit dependence on deposit and loan spreads, and lagging management tools are all very obvious. This paper first analyzes the changes in the financial market environment and the fierce competition and great challenges facing the banking industry, and puts forward the significance of carrying out the scientific performance appraisal. The development process of the performance appraisal theory of foreign commercial banks and the analysis of the related research situation at home and abroad are described, and the purpose and significance of this study are explained. It also clarifies the gap and deficiency between the performance appraisal theory of China's banking industry and the advanced management theory of foreign countries. Then, the paper makes a deep analysis of the current situation and existing problems of the performance appraisal of the branch of HBB Bank Harbin Branch. In the basic situation of the Harbin Branch of HBB Bank and its branch, the operating situation is analyzed. After a detailed description of the current performance appraisal system, the author analyzes the existing problems and causes of the current performance appraisal of the branch of HBB Bank Harbin by means of field investigation and data collection. Comparing the traditional methods with the balanced scorecard and other scientific performance management methods, The paper also expounds the necessity of optimizing the current performance appraisal scheme of Harbin Branch of HBB Bank, and uses the principle of balanced Scorecard to determine the evaluation index. The weight of each index is calculated and determined according to AHP, and then the way of using the result of performance appraisal is clarified. Finally, the paper puts forward that Harbin Branch of HBB Bank should create a cultural atmosphere of risk management. Using the scientific and technological system to decompose and assign task targets, to formulate a complete assessment process to realize the continuous optimization of the assessment process and to adopt open and transparent assessment methods, etc., and to strengthen the assessment and safeguard measures. In order to optimize the effect of performance appraisal, the research on the optimization design of bank performance appraisal in this paper has made a beneficial exploration in combining the theory and practice of performance evaluation in our country, which helps similar banks to strengthen the internal risk management. Increasing market competitiveness also has certain guidance and reference significance.
【學(xué)位授予單位】：哈爾濱工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.33

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