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

【摘要】：隨著金融危機在全世界范圍內(nèi)的不斷擴散,國際經(jīng)濟形勢不斷惡化,國內(nèi)經(jīng)濟也深受其擾,發(fā)展速度明顯回落。未來,企業(yè)融資格局多元化,經(jīng)濟增長動力由要素驅(qū)動和投資驅(qū)動轉(zhuǎn)為創(chuàng)新運動,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)營中取得了驕人的業(yè)績,但面對金融市場的快速轉(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,和盈利依賴存貸利差、管理手段滯后的劣勢都非常明顯。鑒于此,本文首先分析了金融市場環(huán)境的變化與銀行業(yè)所面臨的激烈競爭和巨大挑戰(zhàn),提出了進行科學績效考核的意義。通過對國內(nèi)、國外商業(yè)銀行績效考核理論發(fā)展過程的描述和對國內(nèi)外相關(guān)研究狀況的分析,從總體上對本文研究的目的和意義進行了說明,并闡明了我國銀行業(yè)績效考核理論與國外先進管理理論存在的差距和不足;然后文章對HBB銀行哈爾濱分行轄內(nèi)支行績效考核現(xiàn)狀及存在問題進行了深入地分析。在對HBB銀行哈爾濱分行及其轄內(nèi)支行基本情況、經(jīng)營形勢、現(xiàn)行績效考核制度體系現(xiàn)狀進行了詳細描述后,作者運用實地調(diào)研和資料收集等方式分析了HBB銀行哈爾濱分行對轄內(nèi)支行的現(xiàn)行績效考核中存在的問題和問題的成因,針對傳統(tǒng)方法和平衡計分卡等科學的績效管理方法進行對比研究,為之后提出其支行績效考核方式優(yōu)化建議做好準備。文章還闡述了對HBB銀行哈爾濱分行現(xiàn)行支行層級績效考核方案進行優(yōu)化的必要性,并利用平衡計分卡原理確定考核指標,對各項指標權(quán)重按層次分析法進行了計算確定,然后明確了績效考核結(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)當在營造風險管理文化氛圍、應(yīng)用科技系統(tǒng)分解下達工作任務(wù)指標、制定完整的考核流程以實現(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,加強考核保障措施,以達到績效考核效果的最優(yōu)化。本文所做的銀行績效考核優(yōu)化設(shè)計研究在我國的績效評價理論與實際相結(jié)合方面做出了有益的探索,對幫助類似銀行加強內(nèi)部風險管理,增加市場競爭力也有一定的指導和借鑒意義。
[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.
【學位授予單位】：哈爾濱工業(yè)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.33

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