在“大数据”时代背景下，各行各业对适应新技术变革趋势的复合型人才的需求越来越 大，可以说，人才队伍的建设是企业发展战略实现的重要基础；随着金融业市场竞争的不 断激化，在人才方面的竞争更为激烈，尤其现阶段商业银行的转型与创新发展，更加迫切 需要新时代下的“RONG”（融合、共荣）型人才，而人力资源管理中的薪酬在吸引、留住 和激励优秀人才方面具有不可替代的作用；客户经理作为银行利润创造的主力军，随着金 融市场用人机制灵活性的提高，其流动性大大增强，客户经理便成为各家商业银行争抢的 重点人才资源之一。因此，商业银行应通过不断完善自身薪酬体系和强化管理来激发客户 经理的工作积极性，从而提高人才与战略的适配度，进而提升其核心竞争优势。 本文以PF银行Y分行客户经理为研究对象，在相关国内外文献梳理和理论分析的基 础上，通过设计问卷调查，运用SPSS软件对其调查结果做统计学处理和分析，查找PF银 行Y分行客户经理现行薪酬体系中存在的主要问题及其成因，并有针对性地从固定工资、 绩效工资、年终奖、福利、职业性奖励和社会性奖励等六个层面，为PF银行Y分行客户 经理改进设计一套具有竞争性的薪酬体系方案。同时，从组建薪酬改革工作组、重视薪酬 改革宣传培训、完善相关考核制度、建立薪酬文化调整机制等方面提出相应的保障措施， 以确保改进方案能够得以顺利实施。 本文研究的目的，旨在能够为PF银行Y分行及我国其他商业银行客户经理改进薪酬 体系以及强化现代人力资源管理提供有价值的操作模式和建设方法。 关键词：商业银行；客户经理；薪酬体系；改进方案 昆明理工大学专业学位硕士学位论文PF银行Y分行客户经理薪酬体系改进研究 II Abstract Inthecontextofthe"bigdata"era,thereisanincreasingdemandforcompositetalents fromallwalksoflifetoadapttothetrendofnewtechnologychanges.Itcanbesaidthatthe constructionoftalentteamsisanimportantfoundationfortherealizationofenterprise developmentstrategies;withthefinancialindustrymarketcompetitioncontinuestointensify, andcompetitionfortalentisfiercer.Especiallyatthisstageofthetransformationandinnovation ofcommercialbanks,thereisanurgentneedfor"RONG"talentsinthenewera.Salaryhasan irreplaceableroleinattracting,retaining,andinspiringoutstandingtalents;accountmanagers,as themainforceinthecreationofbankprofits,withtheincreasedflexibilityofthefinancial marketemploymentmechanism,itsliquidityhasbeengreatlyenhanced,andaccountmanagers havebecomevariousoneofthekeytalentresourcesthatcommercialbankscompetefor. Therefore,commercialbanksshouldcontinuetoimprovetheircompensationsystemand strengthenmanagementtostimulatetheenthusiasmofAccountManager,soastoimprovethe adaptabilityoftalentsandstrategies,andthenenhancetheircorecompetitiveadvantages. ThisthesisresearchestheremunerationsystemofYBranch,PFBankforthepositionof accountmanager.OnthebasisofChineseandforeignliteratureandtheories,thepapermade statisticalanalysisbySPSSsoftwareoverthefindingsfromrelevantquestionnairesidentifiedthe problemswiththecurrentremunerationsystemandthecausesthereof;thusitdesignedan improvedprogramofcompetitiveremunerationsystemfortheAccountManagerinvolvingsix aspectsoffixedsalary,performancesalary,year-endbonus,welfare,occupationalrewardsand socialrewards.Additionally,thepaperproposedaseriesofsupportingmeasurestoestablisha remunerationreformwork-group,promotethereformpublicityandtraining,optimizeevaluation system,andcreateremunerationcultureadjustingmechanism,withtheaimatsmooth implementationoftheimprovedprogram. Thepurposeofthispaperistoprovidevaluableoperationmodeandconstructionmethod foraccountmanagersofPFBankYBranchandothercommercialbanksinChinatoimprovethe remunerationsystemandstrengthenmodernhumanresourcemanagement. Keywords:CommercialBank;AccountManager;RemunerationSystem;ImprovedProgram 昆明理工大学专业学位硕士学位论文PF银行Y分行客户经理薪酬体系改进研究 i 目录 摘要...........................................................................................................................I Abstract........................................................................................................................II 第一章绪论...............................................................................................................1 1.1研究背景............................................................................................................1 1.2国内外研究现状...............................................................................................2 1.2.1国外研究现状.............................................................................................2 1.2.2国内研究现状.............................................................................................3 1.2.3研究现状评述.............................................................................................5 1.3研究目的与意义...............................................................................................5 1.3.1研究目的.....................................................................................................5 1.3.2研究意义.....................................................................................................6 1.4研究方法与内容...............................................................................................6 1.4.1研究方法.....................................................................................................6 1.4.2研究内容.....................................................................................................7 第二章研究的理论基础..........................................................................................9 2.1薪酬体系的概念和内容...................................................................................9 2.1.1薪酬体系的概念.........................................................................................9 2.1.2薪酬体系的主要内容.................................................................................9 2.2研究的相关理论.............................................................................................10 2.2.1公平理论...................................................................................................10 2.2.2分享工资理论...........................................................................................10 2.2.3博弈工资理论...........................................................................................11 2.2.4人力资本理论...........................................................................................12 2.2.5期望理论...................................................................................................12 2.3薪酬的功能和薪酬水平.................................................................................13 2.3.1薪酬功能...................................................................................................13 2.3.2薪酬水平...................................................................................................14 昆明理工大学专业学位硕士学位论文PF银行Y分行客户经理薪酬体系改进研究 ii 第三章PF银行Y分行客户经理薪酬体系的现状分析.....................................15 3.1PF银行Y分行客户经理概况.......................................................................15 3.1.1PF银行Y分行基本情况.........................................................................15 3.1.2PF银行Y分行组织架构及客户经理分布............................................15 3.1.3PF银行Y分行客户经理人力资源状况................................................17 3.2薪酬体系调查与分析.....................................................................................19 3.2.1PF银行Y分行客户经理现行的薪酬体系............................................19 3.2.2问卷设计...................................................................................................22 3.2.3调查结果因子分析...................................................................................23 3.2.4薪酬体系存在的主要问题.......................................................................35 3.2.5产生问题的原因分析...............................................................................36 第四章PF银行Y分行客户经理薪酬体系的改进设计.....................................38 4.1设计的整体思路.............................................................................................38 4.1.1