基于农村商业银行的重要性，本文以 YC 农村商业银行信贷客户经理激励机
制为研究对象，通过岗位分析及调查问卷初步掌握信贷客户经理的现状，分析了
该行信贷客户经理激励机制存在的问题与原因，提出了相应的对策。本文分为五
章，第一章是绪论，主要阐述研究背景、研究目的与研究意义、研究思路与研究
方法等；第二章是文献综述，界定了激励的内涵，梳理了国内外学者对激励理论
研究情况，为后面的研究奠定了必要基础；第三章是分析了 YC 农村商业银行的
现状、问题与原因。第四章是针对上述问题提出 YC 农村商业银行的优化措施，
在此基础上，阐述了 YC 农村商业银行优化的保障措施。第五章是研究结论与展
望，阐述了研究结论，指出本研究的不足，并对未来研究进行了展望
本研究的目的是旨在通过 YC 农村商业银行信贷客户经理激励机制研究，为
YC 农村商业银行及其他银行激励机制的构建提供有益借鉴
关键词：农村商业银行；信贷客户经理；激励机制；管理优化II
ABSTRACT
Rural commercial bank is a kind of joint-stock commercial banks, which is made up
of rural credit cooperatives. As a local financial institution, its purpose is to serve the
agriculture, rural areas and small and medium-sized enterprises, and support the
development of county economy. As the four major state-owned commercial banks
and postal savings banks pay more attention to County township markets, the
financial industry is facing increasingly fierce competition. At the same time, as the
Chinese economy kept declining in recent years, the loan growth remained low and a
significant increase in non-performing loans to the bank business brings more
pressure on the financial industry. Considering the core roles business credit customer
manager can play in implementing business strategic objectives in the bank, we
believe that the construction of effective credit customer manager incentive
mechanism is is critical in achieving business objectives and success.
Based on the importance of rural commercial banks, we try to explore the incentive
mechanism of YC rural commercial bank’s credit customer managers, and under the
status of them by utilizing position analysis and questionnaire survey. Wen then
analyze the existing problems and the reasons of the incentive mechanism of the bank
credit account manager, and propose some possible solutions for these problems.
Generally, this paper is divided into five chapters. The first chapter is the introduction,
which mainly expounds the research background, research purpose and significance,
ideas and methods. The second chapter is literature review, which defines the
connotation of incentive, and summarizes the domestic and foreign scholars on
incentive theory research. It lays the foundation for the next research. The third
chapter analyze of the status quo, problems and reasons of YC rural commercial bank.
The fourth chapter puts forward the propose some possible solutions to the YC rural
commercial banks. It then expounds the YC rural commercial bank optimization
measures. The fifth chapter is the conclusion, which prospect of the research, the
conclusion of the study, the shortcomings of this study and directions for the future
research.
By exploring the incentive mechanism of YC rural commercial banks, the purposes of
this study is to provide insights for the improvement of incentive mechanism of YC
rural commercial banks as well as other banks .
Key words: Rural commercial banks; credit customer manager; incentive mechanism;
management optimizationIII
目 录
摘要..I
ABSTRACT...........II
目 录III
1 绪论.1
1.1 研究背景........1
1.2 研究目的和意义.1
1.2.1 研究目的......1
1.2.2 研究意义 ......2
1.3 研究内容........2
1.4 研究思路和研究办法..........3
2 研究综述.........4
2.1 概念界定与理论基础 ..........4
2.2 激励理论国内外研究现状 ......4
2.2.1 国外研究现状及述评 ........4
2.2.2 国内研究现状及述评 ........6
2.3 国内外商业银行激励机制现状 ..7
2.3.1 境外商业银行激励机制现状 ..7
2.3.2 国内商业银行激励机制现状 ..9
2.3.3 启示与借鉴 ...11
3 YC 农村商业银行信贷客户经理激励机制分析 .14
3.1 YC 农村商业银行基本情况 ....14
3.2 YC 农村商业银行信贷客户经理情况简介 ....15
3.2.1 信贷客户经理业务分布.....15
3.2.2 信贷客户经理人员结构.....15
3.2.3 信贷客户经理队伍主要职责.15
3.3YC 农村商业银行信贷客户经理激励机制现状 .16
3.3.1 调查概况 .....16
3.3.2 调查数据分析 .17
3.4YC 农村商业银行信贷客户经理激励机制存在的问题与原因 .22
3.4.1 存在的问题 ...22
3.4.2 原因分析.....24
4 YC 农村商业银行信贷客户经理激励机制设计 .28IV
4.1 设计原则 .......28
4.2 设计思路 .......28
4.3 主要内容 .......28
4.3.1 健全绩效管理系统 .........28
4.3.2 改进薪酬激励体系 .........32
4.3.3 拓宽职业发展通道 .........37
4.3.4 不断优化团队结构 .........38
4.3.5 丰富银行企业文化 .........39
4.4 信贷客户经理激励机制运作保障 ...........41
4.4.1 明确战略目标 .41
4.4.2 高层领导重视 .41
4.4.3 强化培训体系 .41
4.4.4 完善信息系统 .41
4.4.5 构建反馈机制 .42
4.5 可能遇到的问题及预期效果 ...42
4.5.1 实施过程中可能遇到的问题 .42
4.5.2 实施后预期效果 ...........42
5 研究结论与展望...43
5.1 研究结论 .......43
5.2 研究不足
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