-I- 摘要 随着社会经济的迅猛发展，金融业的发展对于各行各业都有着重要的影响。商 业银行作为传统金融业，在互联网金融的背景下，已经从蓝海进入红海领域，面临 着前所未有的机遇和挑战。在其经营和管理过程中，商业银行应结合市场形势，做 好相关业务调整工作。针对于这一情况，商业银行在发展过程中建立有效的绩效管 理体系，激发人才优势，进一步提升商业银行的发展能力，实现长久发展尤为重要。 本文以秦皇岛银行昌黎支行作为研究对象，运用BSC理论，对其绩效管理问题开展 了研究。 首先，本文介绍了选题背景、目的及意义，梳理国内外绩效管理的研究成果， 阐述本文的研究内容及研究方法，为后文对秦皇岛银行昌黎支行的研究提供支撑。 其次，介绍绩效管理相关理论，BSC理论的缘起、组成及特征和KPI分析法，并 阐述了当今BSC理论在我国商业银行绩效管理体系中的应用问题，为后续秦皇岛银 行昌黎支行的绩效管理研究提供参照。 再次，分析了秦皇岛银行昌黎支行的绩效管理体系现状，采用调查问卷的方式 针对秦皇岛银行昌黎支行内部员工，展开绩效管理体系问卷调查，根据调查问卷结 果找出支行现存问题及主要原因。 最后，借助BSC理论，构建了秦皇岛银行昌黎支行绩效管理优化方案，并对方 案进行为期一个季度的试运行。根据试运行结果，提出方案实施的保障措施，确保 所构建的绩效优化方案能够有效落地,以期更好地促进昌黎支行的快速发展。 关键词：BSC；绩效管理；商业银行；昌黎支行 燕山大学工商管理硕士学位论文 -II- ABSTRACT Withtherapiddevelopmentofsocialeconomy,thefinancialmarketplaysavitalrole ineverywalkoflife.Beinginthetraditionalfinanceindustry,thecommercialbankshave enteredinto“RedSea”from“BlueSea”underthebackgroundofInternetfinance,facing unprecedentedopportunitiesandchallenges.Intheprocessofitsmanagementprocess, commercialbanksshouldconsiderthemarkettrendandmakerelativebusiness adjustments.Inthiscase,commercialbanksshouldestablisheffectiveperformance managementmechanismintheprocessofdevelopment,stimulatetalentadvantage,further enhancethedevelopmentabilityofcommercialbanks,andachievelong-term development.ThispapertakesChangliBranchofQinhuangdaoBankastheresearch object,appliesthebalancedScorecardtheorytostudyitsperformancemanagement. Firstthedissertationintroducesthebackground,purposeandsignificanceofthetopic selection,andcollatesrelevantresultsboth,andexpoundstheideasandmethodsofthis paper,providingsupportfortheresearchonChangliBranchofQinhuangdaoBank. Secondly,itintroducesthetheoryofperformancemanagement,theorigin, componentandcharacteristicsofBSCtheory,andKPIanalysis.Thedissertationstatesthe applicationofBSCtheoryintheperformancemanagementsysteminChinesecommercial banks,providingreferencefortheresearchonChangliBranchofQinhuangdaoBank. Then,thedissertationanalyzesthesituationoftheperformancemanagementsystem inChangliBranchofQinhuangdaoBank.Theresearchhandsoutthequestionnairesin systemtoworkersinChangliBranchofQinhuangdaoBankandfiguresouttheproblems andcausesofthebank’sperformancemanagementsystemthroughquestionnaires. Last,thedissertationconstructsperformancemanagementoptimizationschemebased onBSCtheoryandconductsaquartertrialrunofthescheme.Accordingtotheresultfrom thetrailrun,thedissertationmakessurethattheconstructedschemecanbeputforwardso astopromotetherapiddevelopmentofChanglibranch. Keywords:BSC;performancemanagement;commercialbanks;ChangliBranch 目录 -III- 目录 摘要....................................................................................................................................I ABSTRACT.........................................................................................................................II 第1章绪论.....................................................................................................................1 1.1研究背景及意义.......................................................................................................1 1.1.1研究背景............................................................................................................1 1.1.2研究意义............................................................................................................2 1.2国内外研究现状.......................................................................................................3 1.2.1国外研究现状....................................................................................................3 1.2.2国内研究现状....................................................................................................4 1.2.3国内外研究现状评述........................................................................................6 1.3研究方法和内容.......................................................................................................7 1.3.1研究方法............................................................................................................7 1.3.2研究内容............................................................................................................7 第2章相关基本理论.........................................................................................................9 2.1绩效管理的内涵.......................................................................................................9 2.1.1绩效管理的基本内涵........................................................................................9 2.1.2绩效管理的特点..............................................................................................10 2.1.3绩效管理的作用..............................................................................................11 2.2BSC的基本内容....................................................................................................12 2.2.1BSC缘起.........................................................................................................12 2.2.2BSC组成.........................................................................................................12 2.2.3BSC主要特征.................................................................................................14 2.3绩效管理的KPI分析法........................................................................................14 2.4商业银行绩效管理内容及BSC实践..................................................................15 2.4.1商业银行绩效管理内容..................................................................................15 2.4.2BSC在商业银行的实践.................................................................................16 2.5本章小结................................................................................................................16 燕山大学工商管理硕士学位论文 -IV- 第3章秦皇岛银行昌黎支行绩效管理现状分析...........................................................17 3.1秦皇岛银行昌黎支行的发展历程........................................................................17 3.2秦皇岛银行昌黎支行绩效管理的具体做法.........................................................18 3.3关于秦皇岛银行昌黎支行绩效管理的问卷调查.................................................18 3.3.1调查对象..........................................................................................................18 3.3.2问卷设计..........................................................................................................19 3.3.3调查结果统计分析.........................................................................................19 3.4秦皇岛银行昌黎支行绩效管理存在问题及成因分析.........................................20 3.4.1缺乏绩效管理认知..........................................................................................20 3.4.2财务指标关注度过高.....................................................................................21 3.4.3绩效管理流程不完善.....................................................................................21 3.5秦皇岛银行昌黎支行推行BSC的必要性与可行性分析..................................22 3.5.1必要性分析.....................................................................................................22 3.5.2可行性分析.....................................................................................................22 3.6本章小结.....................................................................................