【作者】 王悦；

【导师】 李华；

【作者基本信息】 西安电子科技大学 ， 工商管理硕士（专业学位）， 2020， 硕士

【摘要】 随着国家对金融市场的开放,各类银行不断涌入。截至2019年,笔者统计BJ地区金融机构多达17家。BJ邮政代理金融机构作为参与者,代理金融网点是其发展的第一线,近年来网点收入逐年下降,网点转型多年停滞不前,网点违规误导销售屡见报端,网点经营效率与效益愈发低下。面对上述现实与挑战,其各级管理部门也拿出了各自的绩效办法,但实际执行收效甚微。因此如何提高各网点经营效率与效益,加快网点转型,保证各网点的效益目标完成,最终保证企业总目标落实与达成,亟需建立一个统一、科学、合理的网点绩效评价体系。本文首先介绍了邮政代理金融这种符合中国国情,在世界范围内独有的形式,简要介绍了它的发展历程。然后,对BJ市邮政代理金融网点发展及其现有的绩效评价体系进行问题分析;其次,本文遵循战略导向、系统性、全面性、科学性、层次性、独立性、可操作性、定量与定性相结合的原则,结合BJ邮政企业自身实际情况,从BSC的财务、客户、内部流程、学习与成长这四个维度构建出符合BJ邮政代理金融网点实际情况的战略地图,将维度目标层层分解,转化成为可操作的评价指标,从财务与非财务、定量与定性方面,兼顾结果指标与驱动指标,再通过Delphi Method与AHP相结合构建出一套全面、客观、符合其网点自身实际情况的绩效评价指标体系;随后对BJ邮政企业分布在4区9县的13个分公司各随机选取1个网点进行实地调研分析,同时通过内部业务系统收集整理所需的数据资料,带入评价指标模型进行计算打分,得出的评价结果可以清晰完整地反映出与网点实际发展的联系,验证了评价模型的可行性。并进一步分析可以将评价结果应用在调控网点的收入结构、管控网点客户结构、优化调整网点布局、进行网点员工配置和网点员工成长这五个方面;最后,给出如何保障绩效评价体系持续实施的措施:从加强企业文化建设、开发相关数据系统、完善薪酬分配机制、精细化管理绩效考评全过程和及时修订战略绩效目标这五方面给出具体建议。总之,本文设计出适用于BJ邮政代理金融网点提升综合能力的绩效评价体系,从而全面、系统、客观的对网点进行衡量及评价,更好地激励网点提高其综合竞争能力,期待机构整体实现更好的发展。更多还原

【Abstract】 With the country’s opening up to financial markets,banks of all types have continued to flood in.As of 2019,there are up to 17 financial institutions in the region of BJ by the Author’s statistics.BJ Postal Agency Financial Institutions regards as a participant,and its agency financial outlets are the front line of its development.In recent years,outlet income has declined year by year,outlet transformation has stalled for years,outlet violations and misleading sales have repeatedly appeared in newspapers,and outlet operating efficiency and effectiveness have become even lower.In the face of the above-mentioned reality and challenges,management departments at all levels have come up with their own performance measures,but the actual implementation has achieved little effect.Therefore,how to improve the operating efficiency and effectiveness of each outlet,to speed up the transformation of outlets,to ensure the completion of the profit goals of each outlet,and to ultimately ensure the implementation and achievement of the overall goals of the enterprise,it is urgent to establish a unified,scientific and reasonable outlet performance evaluation system.This article first introduces post agency finance,a unique form in the world that conforms to China’s national conditions,and briefly introduces its development process.Then,it analyzes the problem of the development of BJ City’s postal agency financial outlets and its existing performance evaluation system.Secondly,this article follows the principle of strategic orientation,systemic,comprehensive,scientific,hierarchical,independent,operable,quantitative and qualitative,combined with the actual situation of the BJ Post enterprise and from four dimensions of BSC’s finance,customers,internal processes,study and growth,constructs a strategic map in line with the actual situation of BJ Post’s agent financial outlets.The dimension target is decomposed and transformed into operational evaluation indicators,from financial and non-financial,quantitative and qualitative aspects,taking into account the results indicators and driving indicators,and combining Delphi Method and AHP to build a comprehensive,objective,consistent with the actual situation of its outlet performance evaluation index system;subsequently,13 branches of BJ Post companies distributed in 4 districts and 9 counties were randomly selected to conduct a site survey and analysis.At the same time this article collects internal data throughthe internal business system,takes into the evaluation indicator model to calculate and score.The evaluation results obtained can clearly and completely reflect the relationship with the actual outlets development and verify the feasibility of the evaluation model.The further analyze shows that the evaluation results can be applied to control the outlet income structure,to control outlet customer structure,to optimize and adjust outlet layout,to carry out outlet staffing and outlet staff growing.Finally,this article gives how to ensure the continuous implementation of the performance evaluation system measures: give specific suggestions from the five aspects of strengthening corporate culture construction,developing related data system,improving salary distribution mechanism,delicacy managing the entire performance evaluation process and revising strategic performance targets in time.Generally speaking,this article designs a performance evaluation system that is suitable for BJ Post agency financial outlets to enhance their comprehensive capabilities,so as to comprehensively,systematically and objectively measure and evaluate outlets,to better motivate outlets to improve their comprehensive competitiveness,and looking forward to the better development of the overall organization.更多还原