I 摘要 中国农业银行成立于1951年，总部位于首都北京，是我国国有股份制大型商 业银行之一，网点遍布城乡。然而随着时间的推移，互联网金融逐渐兴起，支付、 结算、贷款、投资等传统商业银行核心业务的优势渐渐转移，市场份额被线上金 融机构瓜分，银行业寒冷的冬天已经到来。在竞争越来越严峻的情况下，对于银 行的内部管理来说，一个合理的且能打造基层网点发展新动能、激发员工工作积 极性和主动性的绩效考核制度就显得格外重要。 中国农业银行股份有限公司XT分行(以下简称农行XT分行)始终将价值管理 作为中心要点，形成综合性绩效考核体系的同时也暴露出很多问题。作为最基本 业务的经营者，分行下辖的支行网点每时每刻都在面对和维护着客户，他们的绩 效水平会作用于银行整体的发展。网点绩效能否得到正确评估是网点转型战略能 否真正落地实施、能否实现健康可持续发展的关键。为引导基层网点聚焦主体业 务发展，充分发挥绩效考核的积极影响，本文通过访谈和问卷调查等多种调研方 式，结合农行XT分行实际，以基层网点为研究对象，探究当前网点绩效考核中存 在的问题，针对营业网点的绩效考核状况对其绩效考核工作进行分析，运用关键 绩效指标法（KPI），切实引导网点从“挣计价”向“创绩效”转变，不断提升网 点竞争力。同时，能够让基层员工在众多且繁杂的任务指标中找到业务发展的核 心和重点，激发员工积极性、推动企业长久健康地发展。这对于改革商业银行的 绩效制度具有一定的现实意义，也为其他银行网点绩效考核提供借鉴。 关键词：中国农业银行XT分行；基层网点；绩效考核；网点管理；员工管理 Abstract IIII Abstract TheAgriculturalBankofChinawasestablishedin1951andisheadquarteredin thecapitalBeijing.Itisoneofthelargestate-ownedjoint-stockcommercialbanksin mycountry,withoutletsthroughoutbothurbanandruralareas.However,withthe passageoftime,Internetfinancehasgraduallyemerged,andthecorebusiness advantagesoftraditionalcommercialbankssuchaspayment,settlement,lending,and investmenthavegraduallyshifted.Themarketsharehasbeendividedbyonline financialinstitutions.Thecoldwinterofthebankingindustryhasarrived.Inthefaceof increasinglyseverecompetition,fortheinternalmanagementofbanks,areasonable performanceappraisalsystemthatcancreatenewmomentumforthedevelopmentof grassrootsbranchesandstimulateemployees'enthusiasmandinitiativeisextremely important. XTbranchofAgriculturalBankofChinaCo.,Ltd.(hereinafterreferredtoasXT branchofAgriculturalBankofChina)alwaysregardsvaluemanagementasthecentral point,formingacomprehensiveperformanceappraisalsystem,butalsoexposedmany problems.Astheoperatorofthemostbasicbusiness,thebranchofficesunderthe brancharefacingandmaintainingcustomersallthetime,andtheirperformancelevel willaffecttheoveralldevelopmentofthebank.Thecorrectevaluationofbranch performanceisthekeytowhetherthebranchtransformationstrategycanbetruly implementedandwhetheritcanachievehealthyandsustainabledevelopment.Inorder toguidethegrass-rootsbranchestofocusonthemainbusinessdevelopmentandgive fullplaytothepositiveimpactofperformanceappraisal,thisarticleusesavarietyof researchmethodssuchasinterviewsandquestionnaires,combinedwiththeactual situationofABCXTbranchandtookbranchesasresearchobjectstoexplorethe existingproblemsinthecurrentbranchperformanceappraisal,andtargetthe performanceofthebranch.Theappraisalsituationanalyzesitsperformanceappraisal work,andusesthekeyperformanceindicatormethod(KPI).Iteffectivelyguidesthe transformationofthenetworkfrom“earningpricing”to“creatingperformance”,and continuouslyimprovesthecompetitivenessofthenetwork.Atthesametime,itcan enablegrassrootsemployeestofindthecoreandfocusofbusinessdevelopmentamong numerousandcomplextaskindicators,inspireemployees'enthusiasm,andpromotethe Abstract III long-termandhealthydevelopmentofthecompany.Theresearchhascertainpractical significanceforreformingtheperformancesystemofcommercialbanks,andalso providesreferencefortheperformanceappraisalofotherbankbranches. Keywords:XTbranchofAgriculturalBankofChina;grassrootsbranches;performance appraisal;bankingmanagement;staffmanagement 目录 IV 目录 摘要............................................................................................................................I Abstract.........................................................................................................................II 第1章绪论.................................................................................................................1 1.1研究背景........................................................................................................1 1.2研究意义........................................................................................................2 1.3国内外研究现状............................................................................................2 1.3.1国外研究现状.....................................................................................2 1.3.2国内研究现状.....................................................................................3 1.4研究思路与方法............................................................................................5 1.4.1研究思路.............................................................................................5 1.4.2研究方法.............................................................................................5 1.5研究内容........................................................................................................6 第2章绩效考核的相关概念和方法.........................................................................8 2.1绩效考核相关概念........................................................................................8 2.1.1绩效.....................................................................................................8 2.1.2绩效考核.............................................................................................8 2.1.3绩效管理...........................................................................................10 2.2绩效考核方法...............................................................................................11 2.2.1平衡计分法........................................................................................11 2.2.2关键绩效指标法...............................................................................12 2.2.3目标管理法.......................................................................................13 2.2.4360度考核法....................................................................................13 2.3本章小结......................................................................................................14 第3章农行XT分行基层网点绩效考核现状及问题............................................15 3.1农行XT分行基本情况概述.......................................................................15 3.2农行XT分行绩效考核现状.......................................................................16 3.2.1考核主体...........................................................................................16 3.2.2考核对象...........................................................................................16 3.2.3考核内容...........................................................................................16 3.2.4考核方式...........................................................................................17 目录 V 3.3农行XT分行基层网点绩效考核问题调查...............................................19 3.3.1调查问卷设计...................................................................................19 3.3.2农行XT分行绩效考核问卷调查结果............................................20 3.3.3农行XT分行基层网点绩效考核存在的问题................................25 3.4农行XT分行基层网点绩效考核问题的原因分析...................................25 3.4.1传统考核模式根深蒂固...................................................................26 3.4.2缺乏系统的知识体系和先进的理论支撑.......................................26 3.4.3考核缺少数据统计系统支撑...........................................................26 3.4.4无法长久坚持量化考核管理办法...................................................26 3.4.5绩效考核传导机制不到位...............................................................27 3.5本章小结..........................