本文選題：平衡計(jì)分卡 + 棗莊銀行��； 參考：《蘭州理工大學(xué)》2017年碩士論文

【摘要】：隨著金融領(lǐng)域改革的不斷深入,作為金融市場(chǎng)重要主題的地方商業(yè)銀行也在逐步發(fā)展,其市場(chǎng)競(jìng)爭(zhēng)日益激烈,地方商業(yè)銀行面臨的市場(chǎng)環(huán)境越來越復(fù)雜。城市商業(yè)銀行要想在激烈的競(jìng)爭(zhēng)中爭(zhēng)取市場(chǎng)主動(dòng)權(quán),就必須提高競(jìng)爭(zhēng)力,完善現(xiàn)代銀行管理制度。績(jī)效評(píng)價(jià)作為一種有效直接的管理工具,成為商業(yè)銀行實(shí)現(xiàn)戰(zhàn)略發(fā)展的有效途徑。本文以棗莊銀行為例,利用文獻(xiàn)綜述研究法論述國(guó)內(nèi)外商業(yè)銀行績(jī)效評(píng)價(jià)研究現(xiàn)狀,分析了棗莊銀行現(xiàn)行績(jī)效考核體系以及存在的問題,引入平衡計(jì)分卡評(píng)價(jià)體系。根據(jù)棗莊銀行的發(fā)展戰(zhàn)略,運(yùn)用SWOT法進(jìn)行戰(zhàn)略環(huán)境分析,基于平衡計(jì)分卡對(duì)棗莊銀行績(jī)效評(píng)價(jià)體系進(jìn)行重新設(shè)計(jì),把財(cái)務(wù)指標(biāo)和非財(cái)務(wù)指標(biāo)結(jié)合,從財(cái)務(wù)、顧客、內(nèi)部流程、學(xué)習(xí)與成長(zhǎng)、風(fēng)險(xiǎn)管理五個(gè)維度出發(fā),重新構(gòu)建了一套適合棗莊銀行的績(jī)效評(píng)價(jià)指標(biāo)體系。綜合運(yùn)用調(diào)查問卷和層次分析法等工具,對(duì)五個(gè)一級(jí)維度以及子指標(biāo)進(jìn)行量化分析,確定其權(quán)重,對(duì)確定的權(quán)重量化處理,計(jì)算權(quán)數(shù),通過對(duì)比同行業(yè)目標(biāo)值,計(jì)算棗莊銀行基于平衡計(jì)分卡綜合得分,實(shí)現(xiàn)與原有績(jī)效評(píng)價(jià)得分相對(duì)比。對(duì)平衡計(jì)分卡績(jī)效評(píng)價(jià)體系的具體引用,發(fā)現(xiàn)棗莊銀行發(fā)展過程中存在的問題,同時(shí)根據(jù)問題提出銀行發(fā)展建議,從而驗(yàn)證了平衡計(jì)分卡模型評(píng)價(jià)棗莊銀行績(jī)效的可操作性和實(shí)用性。通過本文理論結(jié)合實(shí)際研究,以實(shí)例論證的方式闡述平衡計(jì)分卡績(jī)效評(píng)價(jià)在棗莊銀行績(jī)效評(píng)價(jià)使用的可行性,通過構(gòu)建適合棗莊銀行自身的平衡計(jì)分卡績(jī)效評(píng)價(jià)體系,實(shí)現(xiàn)績(jī)效目標(biāo)與商業(yè)銀行發(fā)展戰(zhàn)略的有效結(jié)合,從而為棗莊銀行以及地方商業(yè)銀行經(jīng)營(yíng)管理提供一種新的管理思路和手段,從而對(duì)平衡計(jì)分卡績(jī)效評(píng)價(jià)在地方商業(yè)銀行的應(yīng)用提供一定的參考。
[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.
【學(xué)位授予單位】：蘭州理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.33;F830.42

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