發(fā)布時(shí)間：2018-03-02 06:16

  本文關(guān)鍵詞： 商業(yè)銀行 平衡計(jì)分卡 績(jī)效評(píng)價(jià)　出處：《深圳大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：近些年,利率完全市場(chǎng)化的趨近使得國(guó)有商業(yè)銀行的競(jìng)爭(zhēng)優(yōu)勢(shì)越來(lái)越低,金融行業(yè)門檻的低寬化帶來(lái)的大批外資銀行的涌入和中小金融機(jī)構(gòu)的出現(xiàn)使商業(yè)銀行間競(jìng)爭(zhēng)加劇,互聯(lián)網(wǎng)金融的發(fā)展進(jìn)一步瓜分了當(dāng)今金融市場(chǎng),經(jīng)濟(jì)氣候不景氣使得商業(yè)銀行近些年的業(yè)務(wù)發(fā)展雨上加霜。目前我國(guó)國(guó)有商業(yè)銀行發(fā)展現(xiàn)狀不容樂觀,面臨挑戰(zhàn)加大,亟需打破改革傳統(tǒng)的商業(yè)發(fā)展戰(zhàn)略,并制定一套以戰(zhàn)略發(fā)展為導(dǎo)向的全面科學(xué)的績(jī)效評(píng)價(jià)系統(tǒng)。平衡計(jì)分卡是一套以戰(zhàn)略發(fā)展為愿景,結(jié)合了財(cái)務(wù)和非財(cái)務(wù)指標(biāo)全面科學(xué)的績(jī)效評(píng)價(jià)系統(tǒng),它從財(cái)務(wù)、客戶、內(nèi)部流程以及學(xué)習(xí)和創(chuàng)新思維度對(duì)商業(yè)銀行進(jìn)行績(jī)效評(píng)價(jià),有效規(guī)避了傳統(tǒng)績(jī)效評(píng)價(jià)方案片面性和脫離戰(zhàn)略性的問(wèn)題。本文通過(guò)引入平衡計(jì)分卡相關(guān)概念,并對(duì)商業(yè)銀行的經(jīng)營(yíng)特點(diǎn)和績(jī)效管理進(jìn)行分析,來(lái)探討平衡計(jì)分卡對(duì)商業(yè)銀行績(jī)效管理的必要性。同時(shí),以支行層面某縣域國(guó)有商業(yè)銀行為案例進(jìn)行研究,分析平衡計(jì)分卡績(jī)效評(píng)價(jià)方案的具體應(yīng)用和實(shí)施效果,找出其在該支行運(yùn)用過(guò)程中還存在的問(wèn)題,并結(jié)合自身經(jīng)驗(yàn)和研究水平,站在全行戰(zhàn)略角度上給予相關(guān)改進(jìn)建議。
[Abstract]:In recent years, the interest rate is completely market-oriented, which makes the competitive advantage of state-owned commercial banks lower and lower. The influx of a large number of foreign banks and the emergence of small and medium-sized financial institutions make the competition between commercial banks become more and more serious. The development of Internet finance has further divided the current financial market. The economic climate depression has made the business development of commercial banks in recent years worse. At present, the current development situation of state-owned commercial banks in China is not optimistic, and the challenges are increasing. There is an urgent need to break through the traditional business development strategy and develop a comprehensive and scientific performance evaluation system oriented by strategic development. The balanced Scorecard is a set of strategic development vision. It combines financial and non-financial indicators with a comprehensive and scientific performance evaluation system, which evaluates the performance of commercial banks in terms of finance, customers, internal processes, and learning and innovation thinking. This paper introduces the concept of balanced Scorecard and analyzes the management characteristics and performance management of commercial banks. At the same time, taking a county state-owned commercial bank as a case study, the paper analyzes the concrete application and implementation effect of the performance evaluation scheme of balanced scorecard. This paper finds out the existing problems in the application of the branch, and puts forward some suggestions for improvement from the strategic point of view of the whole bank in the light of its own experience and research level.
【學(xué)位授予單位】：深圳大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.33;F272.5

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本文編號(hào)：1555366