【作者】 周晓辉；

【导师】 向希尧；

【作者基本信息】 西安理工大学 ， 工商管理（专业学位）， 2024， 硕士

【摘要】 国内金融市场快速发展,利率市场化改革持续推进,资管新规正式实施,科技创新和数字化转型成为趋势,监管政策日益收紧,客户需求更加复杂和多变,各家商业银行都在积极谋求业务的转型升级与改革。市场竞争日益白热化,理财经理在金融机构中扮演着举足轻重的角色,他们不仅是客户与商业银行之间的桥梁,更是维护并提升机构市场竞争力与客户满意度的关键因素。因此,理财经理的绩效管理体系优化显得尤为重要。通过持续改进和优化绩效管理体系,可以激发理财经理的工作潜力,提高团队凝聚力和执行力,为银行的长期稳健发展奠定坚实基础。本论文以PA银行A分行为研究对象,关注理财经理绩效管理,基于文献综述法、访谈调研法和案例分析法等方法,通过对PA银行A分行理财经理绩效管理体系的深入研究,首先对当前理财经理绩效管理的现状进行全面的诊断和分析,找出其中存在的问题和不合理之处,理财经理KPI打折,重规模轻创利,理财经理晋级困难,导致PA银行A分行财富板块业绩增长相对乏力。针对这些问题,结合绩效管理工具中的责任积分和关键积分,优化调整KPI考核,更新和优化PA银行A分行理财经理的绩效管理。根据PA银行A分行战略设定绩效目标、改进绩效监控流程、加入过程指标考核,逐步实施绩效管理,最终实现帮助PA银行A分行理财经理队伍绩效管理更合理和科学,同时提出一些保障的举措,以确保理财经理绩效优化有效实施。通过PA银行A分行理财经理绩效管理优化,提升理财经理绩效,优化队伍建设,调整业务结构,更加契合银行战略,对其他商业银行理财经理绩效管理体系建设优化也具有一定的借鉴意义。更多还原

【Abstract】 With the rapid development of the domestic financial market,the continuous advancement of interest rate liberalization reform,the formal implementation of new regulations on capital management,scientific and technological innovation,and digital transformation,as well as increasingly tightened regulatory policies and more complex and changeable customer demands,various commercial banks are actively seeking business reform,transformation,and upgrading.Market competition is fierce.As a crucial link between customers and commercial banks,financial managers play an integral role in the performance management of financial institutions.Their effectiveness directly impacts the market competitiveness and customer satisfaction of these institutions.Therefore,it is essential to optimize the performance management system for financial.managers.Building a scientific and rational performance management system,as well as formulating comprehensive competition,incentive,and elimination policies for them,serves as the core guarantee for the healthy and rapid development of commercial banks.This study focuses on the financial manager of PA Bank Co.,Ltd.A branch as the research subject.By utilizing methods such as literature review,interviews,investigations,and case analysis,it aims to conduct an in-depth exploration of the performance management system for financial managers at PA Bank Co.,Ltd.A branch.The study first analyzes the current issues in performance management for financial managers and identifies problems such as unreasonable performance assessments,lack of enthusiasm and poor subjective initiative among some financial managers,resulting in relatively weak growth in bank retail performance.The main reasons behind these issues include discounted KPI assessments for financial managers,excessive emphasis on scale profits over other factors,and difficulties faced by financial managers when it comes to promotions.In light of these problems and their causes,responsibility points and key performance indicators(KPIs)were utilized to adjust the assessment of KPIs and update the performance management system for branch financial managers at PA Bank Co.,Ltd.In accordance with the strategy of PA Bank Co.,Ltd.,performance objectives were established for each branch,the monitoring process was enhanced,process index assessment was introduced,and a gradual implementation of performance management took place.As a result,the financial manager team at PA Bank Co.,Ltd.’s branches became more reasonable and scientific in terms of their performance management.Additionally,several safeguard measures are proposed to ensure effective implementation of performance optimization.The performance management optimization of PA Bank Co.,Ltd.A branch improves the performance of PA bank managers,optimizes team construction,adjusts business structure,and is more in line with the bank’s strategy,which also has certain reference significance for the construction and optimization of other commercial banks’ performance management system.更多还原