【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�；谵r(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(xué)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(xué)位授予單位】：廣東財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.35;F274

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