【摘要】：農(nóng)村商業(yè)銀行是由農(nóng)村信用社改制而成的股份制商業(yè)銀行,作為地方法人金融機構(gòu),其目的是服務(wù)三農(nóng)及中小微企業(yè),支持縣域經(jīng)濟發(fā)展。隨著四大國有商業(yè)銀行及郵政儲蓄銀行等銀行業(yè)務(wù)重點下沉縣域甚至鄉(xiāng)鎮(zhèn)市場,金融業(yè)面臨的競爭越發(fā)激烈,同時,近兩年經(jīng)濟持續(xù)下行,貸款增長低迷及不良貸款大幅上升給銀行帶來更大的經(jīng)營壓力是整個金融業(yè)面臨的重要課題�；趶氖潞诵臉I(yè)務(wù)的信貸客戶經(jīng)理在銀行落實經(jīng)營戰(zhàn)略目標時的地位和重要性,本文認為,構(gòu)建有效的信貸客戶經(jīng)理激勵機制是促使銀行實現(xiàn)經(jīng)營目標和信貸客戶經(jīng)理職業(yè)追求達到統(tǒng)一的重要方法。基于農(nóng)村商業(yè)銀行的重要性,本文以YC農(nóng)村商業(yè)銀行信貸客戶經(jīng)理激勵機制為研究對象,通過崗位分析及調(diào)查問卷初步掌握信貸客戶經(jīng)理的現(xiàn)狀,分析了該行信貸客戶經(jīng)理激勵機制存在的問題與原因,提出了相應(yīng)的對策。本文分為五章,第一章是緒論,主要闡述研究背景、研究目的與研究意義、研究思路與研究方法等;第二章是文獻綜述,界定了激勵的內(nèi)涵,梳理了國內(nèi)外學者對激勵理論研究情況,為后面的研究奠定了必要基礎(chǔ);第三章是分析了YC農(nóng)村商業(yè)銀行的現(xiàn)狀、問題與原因。第四章是針對上述問題提出YC農(nóng)村商業(yè)銀行的優(yōu)化措施,在此基礎(chǔ)上,闡述了YC農(nóng)村商業(yè)銀行優(yōu)化的保障措施。第五章是研究結(jié)論與展望,闡述了研究結(jié)論,指出本研究的不足,并對未來研究進行了展望。本研究的目的是旨在通過YC農(nóng)村商業(yè)銀行信貸客戶經(jīng)理激勵機制研究,為YC農(nóng)村商業(yè)銀行及其他銀行激勵機制的構(gòu)建提供有益借鑒。
[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.
【學位授予單位】：廣東財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.35;F274

【參考文獻】

相關(guān)期刊論文 前10條

1 周奇文;;加強國有銀行對公客戶經(jīng)理隊伍建設(shè)的探討[J];現(xiàn)代經(jīng)濟信息;2014年14期

2 左璇;;商業(yè)銀行客戶經(jīng)理激勵約束機制研究[J];當代經(jīng)濟;2014年08期

3 孫姝毅;;商業(yè)銀行客戶經(jīng)理激勵機制構(gòu)建淺析[J];中國外資;2013年04期

4 李建設(shè);李婷;李文峰;;中美商業(yè)銀行客戶經(jīng)理激勵機制比較研究[J];西部經(jīng)濟管理論壇;2011年03期

5 陸桂琴;丁愛華;;商業(yè)銀行客戶經(jīng)理激勵機制設(shè)計研究[J];理論探討;2011年05期

6 宋增基;夏銘;陳開;;中國上市銀行薪酬激勵與銀行績效[J];金融論壇;2011年06期

7 鄒永成;;我國商業(yè)銀行薪酬激勵實證研究[J];農(nóng)村金融研究;2009年03期

8 王丹;;我國商業(yè)銀行薪酬激勵機制研究[J];商場現(xiàn)代化;2008年21期

9 王莉麗;;中外商業(yè)銀行薪酬激勵制度對比研究[J];合作經(jīng)濟與科技;2008年11期

10 徐泓;姚岳;楊萬貴;;激勵機制理論及模型研究[J];教學與研究;2008年02期

相關(guān)碩士學位論文 前6條

1 莫娟;KJ銀行客戶經(jīng)理薪酬激勵方案研究[D];安徽大學;2014年

2 盧冬;WS農(nóng)村合作銀行客戶經(jīng)理薪酬激勵制度優(yōu)化研究[D];安徽大學;2013年

3 李婷;面向國有商業(yè)銀行客戶經(jīng)理的立體多維激勵機制研究[D];天津理工大學;2012年

4 姜曉;XX銀行客戶經(jīng)理激勵約束機制研究[D];西南財經(jīng)大學;2010年

5 萬冠美;興業(yè)銀行泉州分行公司客戶經(jīng)理薪酬激勵機制研究[D];湖南大學;2009年

6 張亦威;我國商業(yè)銀行客戶經(jīng)理激勵機制研究[D];重慶大學;2004年

，

本文編號：2483680