MBA教育中心知识库

随着我国经济的增长及利率市场化的逐步推进，商业银行业之间的竞争日趋激烈，对商业银行的经营管理能力提出了新的要求。公司金融服务作为商业银行经营的主要组成部分和主要收益来源,其经营拓展工作和对公客户的服务、保障等管理工作也大多由对公客户经理负责承担，这就要求商业银行在对其对公客户经理进行管理的工作过程中具备较高的人力资源管理水平，同时，商业银行公司金融业务的发展也有赖于对公客户经理团队的和对公客户经理个人的专业以及高效，一个具备着优秀的专业知识素养和充沛的工作激情的对公客户经理队伍对于商业银行的经营管理工作意义重大。

基于此,本文通过将交通银行甘肃省分行作为研究对象,从交通银行甘肃分行现行的对公客户经理绩效考核体系出发,在对现行绩效考核体系进行研究、剖析的基础上,总结出分行现行的对公客户经理绩效考核体系中存在的主要问题、原因及其优化的方向,并根据分行目前实际运营状况,利用当前商业银行中比较普遍和广泛应用的绩效考核工具——平衡计分卡，对交通银行甘肃分行的对公客户经理绩效考核体系加以优化,最后明确了绩效考核指标的设定标准和考核方法。同时,为保证优化后的绩效考核体系具备操作性,本文还给出了实施绩效考核体系工作的保障举措,使得优化后的绩效考核体系可以在实践中使用。从而为交通银行甘肃省分行对公客户经理队伍的建设提供思路和指导，并助力分行落实高质量转型发展的战略目标。

With the gradual advance of interest rate liberalization in China, the inter-bank competition among commercial banks is increasingly intensified, which puts forward new requirements for the operation and management ability of banks. Company financial business of commercial Banks as the main part of and the main source of profit, the business marketing and customer service, maintenance work toward is mainly composed of customer manager is responsible for, this is to let public customer manager's management put forward higher request, brought to account manager personal work ability and efficiency of commercial Banks plays an important role in the development of financial business, A team of corporate account managers with good professional quality and full work enthusiasm is of great significance to the operation and management of commercial banks.

Based on this, this paper takes the behavior of Gansu Branch of Bank of communications as the main research object, starts from the current corporate customer manager performance appraisal system of Gansu Branch of Bank of communications, and summarizes the main problems, causes and optimization direction in the current corporate customer manager performance appraisal system of the branch on the basis of research and analysis of the current performance appraisal system, and according to the current actual operation situation of the branch, Using the balanced scorecard, a common and widely used performance appraisal tool in commercial banks, this paper optimizes the performance appraisal system of corporate customer managers in Gansu Branch of Bank of communications, and finally defines the setting standard and appraisal method of performance appraisal index. At the same time, in order to ensure the operability of the optimized performance appraisal system, this paper also gives the guarantee measures for the implementation of the performance appraisal system, so that the optimized performance appraisal system can be used in practice. So as to provide ideas and guidance for the construction of corporate customer manager team of Gansu Branch of Bank of communications, and help the transformation and development of the branch to achieve strategic objectives.