ZY银行作为一个新型 组型商业银行，面对周围已发展成熟 业银行
和外资银行，为避免同行 胁，在市场竞争中立于不败之地，ZY银行在发展建
设初期更应当明确未来发展方向，制定明确 发展战略目标，加强与客户之间
紧密联系，树立以客户为中心 积极研发创新，开创新型 业务流程，做
到为客户提供多样化 产品和服务，提高客户 满意度和忠诚度。同时应当做到
完善治理结构，明确战略目标，提高经营绩效。因此，这就使ZY银行在改革发展
过程中迫切 管理工具，能将银行 发展战略与银
行 绩效管理体系有力 结合起来，也就是本文研究 计分
卡 绩效管理体系
关键词：商业银行；平衡计分卡；绩效管理；战略地图；ZY银行摘 要ABSTRACT
Research on the construction of Performance Management
System of ZY Bank Based on Balanced Score Card
ABSTRACT
Commercial bank is the main part and participant of modern financial market.
Meanwhile, they also play an important role in the process of China’s economic
development financing and allocation of running the currency supply. With the
process of global economic integration, the rapid development of the world economy,
and also the changing environment of external financial market, many advanced
management and strong foreign banks gradually integrated into China’s financial
market. With the accession to the World Trade Organization, Chinese commercial
banks are facing the competition among domestic advanced commercial banks and
other foreign banks in our country. Therefore, it’s a tough situation for Chinese
commercial banks. In order to stand out in the fierce market competition, Chinese
commercial banks need to implement the reform and transformation actively, which
has become the common choice of Chinese commercial banks. Under this
background, commercial banks how to correctly evaluate their business performance
through the improvement of the bank’s performance management system, is not only
the necessary objective request of strategic transformation seeking of Chinese
commercial banks, it’s also the strength of protection from the competition with
foreign banks. Chinese commercial banks traditional performance management
system has been unable to adapt to the new market environment and fierce market
competition, and also it’s unable to meet the demand for performance management
update. Therefore, the construction of a new scientific and effective performance
management system of bank, which in order to more effectively improve the overall
performance and market competitiveness of the Commercial Bank of our country, is
the route to Chinese commercial bank at present, this also is the completion of the
strategic transformation, the realization of the strategic target has significant and far-
reaching significance of the Commercial Bank of our country.
The Balanced Scorecard as a new strategic management tool, from birth until
now nearly 30 years of time, by the developed countries in Europe and the United
States gradually spread development to the whole world, is widely used in all kinds ofABSTRACT
enterprises, for enterprises of all types of development strategy to a crucial role in the
promotion. The Balanced Scorecard from financial, customer, internal process,
learning and growth these four dimensions, to assess the performance of enterprise
organization, department and each post. This assessment method strengthens the
comprehensive performance evaluation, improve the performance evaluation of
strategic, maintain the performance test of nuclear balance, but also promote the
development of the performance appraisal. Based on the Balanced Scorecard
performance management system, to make up for the traditional performance
management methods only pay attention to the financial indicators, neglect of non-
financial indicators for the assessment of defects, the overall strategy of the enterprise
layer upon layer decomposition to the enterprise at all levels, different departments
different employees their specific goals, conveyed in the strategic development of
enterprises at the same time, stimulate the enthusiasm and creativity of employees to
work, effectively promoted the commercial bank's performance growth and long-term
development.
ZY Bank as a new type recombinant commercial bank, facing those developed
commercial banks and foreign banks, as a threat to avoid peer, in market competition
invincible, ZY Bank in the early stages of development and construction should make
clear the direction of future development, the strategic objectives of the development
of clear, strengthen close contact with customers, establish the customer as the center
concept, and actively develop innovative, to create a new business process, do provide
a variety of products and services to customers, improve customer satisfaction and
loyalty. At the same time should be done to improve the governance structure, clear
strategic objectives, improve business performance. Therefore, this makes ZY Bank
in the process of the reform and development of the urgent need to introduce a very
effective management tool, can effectively combine the performance management
system of the development strategy of bank, and also is the focus of this paper,
performance management system based on the Balanced Scorecard.
KEY WORDS: Commercial Bank; the Balanced Scorecard; Performance
Management; Strategy Map; ZY Bank目 录
目 录
摘 要 .........I
ABSTRACT ....III
1 引言 ........1
1.1 研究背景和研究意义 ..1
1.1.1 研究背景.........1
1.1.2 研究意义.........1
1.2 研究内容与研究方法 ..2
1.2.1研究内容..........2
1.2.2研究 ..........3
1.3 论文的创新点和不足之处 ..........3
2 国内外关于平衡积分卡和银行绩效管理的文献综述 ....5
2.1国内外平衡计分卡研究的文献综述 ...5
2.1.1国外关于平衡计分卡的相关研究..5
2.1.2国内关于平衡计分卡的相关研究..7
2.1.3平衡计分卡研究评述8
2.2国内外银行绩效管理体系研究的文献综述 .........8
2.2.1国外关于银行绩效管理体系的相关研究........8
2.2.2国内关于银行绩效管理体系的相关研究........9
2.2.3银行绩效管理体系的研究评述...10
3 平衡计分卡在商业银行绩效管理的应用 .11
3.1关于商业银行绩效管理体系相关理论概述 ........11
3.2商业银行绩效管理体系的功能和内涵 12
3.3传统商业银行绩效管理体系的方式及其缺陷 ......14
3.3.1商业银行传 效管理 ...
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