摘要
商业银行在我国当代金融市场服务主体中扮演着重要的角色，我国经济的发展也
需要有商业银行的参与。长期以来，商业银行在进行绩效管理时，往往采用传统的方
法，特别是仅仅对财务指标进行考核，忽视了银行所面临的内外部环境也是需要进行
考核的。因此，我国的商业银行要想在绩效上取得突破，通过更为有效的绩效管理方
法来提升银行的业绩和起到激励的作用，就需要有科学的绩效考核方式，平衡计分卡
的诞生为商业银行的绩效考核提供了有效的工具。邮储银行 QS 支行作为一家全国性
银行下辖的二级支行，面临激烈的市场竞争，急需提高绩效管理的水平。本研究主要
研究 QS 支行对平衡计分卡引入之后的绩效管理情况，以此来帮助商业银行取得更切
实的利益

本文通过案例研究的方法，对邮储 QS 支行进行详细的分析，最终形成了一套适
合邮储 QS 支行的平衡计分卡绩效评估体系，通过本研究的深入分析，主要进行了以
下几点研究及结论

首先，本研究对绩效管理和平衡计分卡方法进行相关理论的介绍，主要对与本研
究相关的概念化原则进行深入的介绍，同时对平衡计分卡所包含的四个维度和优势进
行了阐述，这些都为研究邮储 QS 支行应用平衡计分卡奠定了理论基础和方法支撑

其次，本研究借助调查问卷和访谈的方式获取了邮储 QS 支行当前的绩效管理情
况以及建立的绩效评价体系，并深入的了解了有关绩效管理存在的问题并整理出一手
资料。本研究在分析邮储 QS 支行现行绩效管理的情况的基础上发现，QS 支行的绩效
考核方法不科学，结果没有正确利用，考核对象之间沟通不畅，考核体系指标设计不
合理等问题的存在，并提出要加强沟通，完善考核体系，指标权重体系的建立要切合
QS 支行的实际等。在阐述了上述情况之后，引入平衡计分卡的设计，并对平衡计分
卡的四个维度进行阐述，包括指标的选取，专家对指标有效性的预判、应用范围层次，
结果的计算等，本研究最终设计了一套较为完善的平衡计分卡体系

最后，本研究通过对 QS 支行情况的分析，提出了平衡计分卡在 QS 支行的适用
性，对新的考核体系的应用情况进行了评估，并提出了保障措施和以后在继续实施过
程中需要注意的要点，为邮储 QS 支行今后的发展战略和战略目标的实现提供了参考

本文的创新体现在根据邮储 QS 支行的特点，设定了与之前研究不同的指标以及
相应的权重，为了保证平衡计分卡四个层面的均衡性和科学性，本文在指标以及权重
上实行无差别性，保证了每项指标和权重的平衡合理

关键词：邮储 QS 支行；绩效管理；平衡计分卡；指标体系II
ABSTRACT
Commercial Banks play an important role in China&39;s modern financial market services,
and the development of our economy requires the participation of commercial Banks. For a
long time, commercial Banks in the performance management, often use the traditional
method, especially for only to examine the financial indicators, ignored the Banks facing
the internal and external environment is also the need for the inspection. Therefore, Chinese
commercial Banks want to make a breakthrough on the performance through more effective
performance management method to improve the bank&39;s performance and play the role of
incentives, will need to have a scientific performance appraisal way, the birth of the
balanced scorecard for performance evaluation of commercial Banks provides effective
tools. The QS branch of the postal bank is a secondary branch of a national bank, facing
intense market competition and a need to improve performance management. This study
focuses on the performance management of the QS branch in the introduction of balanced
scorecards to help commercial Banks achieve more tangible benefits.
In this article, through the method of case study, detailed analysis was carried out on
the post office QS branch, eventually formed a set of suitable for post office QS branch of
the balanced scorecard performance evaluation system, through the in-depth analysis of the
present study, mainly for the following research and conclusion.
First of all, this research on performance management and the balanced scorecard
method were introduced related theory, mainly for the conceptual principles associated with
this study in-depth introduction, at the same time, four dimensions of balanced scorecard
contains and advantages were expounded, and the post office for research QS branch laid a
theoretical foundation and application of the balanced scorecard theory support.
Secondly, this research with the help of questionnaire and interview for the post office
QS branch current performance management situation and establish performance evaluation
system, and in-depth understanding of the relevant problems existing in performance
management and sort out firsthand material. This study on the analysis of post office QS
branch current performance management situation, found that on the basis of QS branch
performance evaluation method is not scientific, the results did not correct use,
communication between evaluation object, evaluation index system design of the existence
of such problems as unreasonable, and put forward to strengthen communication,
perfecting examination system and the establishment of the index weight system of QS
branch, etc. After elaborated the above situation, the design of the introduction of the
balanced scorecard, and elaborates the four dimensions of balanced scorecard, including theIII
selection of indicators, experts in anticipation of index validity, application level, the results
of calculation and so on, finally this study design a set of relatively perfect system of the
balanced scorecard.
Finally, through the analysis of the QS branch situation, this study proposed the
balanced scorecard in the applicability of the QS branch, to evaluate the application of the
new evaluation system, and puts forward some safeguard measures and future need to pay
attention to in the process of continued, the main points of the post office QS branch for the
future of the development strategy and the realization of the strategic objectives provide a
reference.
Innovation of this article lies in according to the characteristics of the post office QS
branch, set up and the corresponding weights are different from the previous studies, in
order to guarantee the balanced scorecard, uniform and scientificness of four aspects in this
paper, on the index and weight for the undifferentiated, ensures that the weight of each
index and reasonable balance. In addition, the general bank performance management to
the staff appraisal and bonus, in this paper, the design of the balanced scorecard can be used
for bank shareholders, depositors and regulators and other stakeholders to use, provide a
reference for stakeholder value.
Keywords: QS branch of postal savings; Performance management; Balanced Scorecard;
Index systemI
目 录
摘要..I
ABSTRACT.. II
第一章 绪 论.........1
1.1 研究背景和意义......1
1.1.1 研究背景.......1
1.1.2 研究意义.......1
1.2 国内外研究现状......2
1.2.1 国外研究现状.....
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