商业银行分支机构绩效管理办法探讨

Study on Evaluation of Commercial Bank Branch

商业银行分支机构的绩效好坏影响着整个系统的生存发展。我国现行商业银行分支机构的绩效管理办法主要有三种,财务指标评价法、BSC评价法和DEA法,单独使用时各有优劣势,都不能很好地兼顾管理的需要。将这三种办法结合起来,即根据BSC理论设计考核指标,采用DEA方法进行评价,得到各分支机构的相对效率后,再根据评价结果,按照EVA或杜邦分析法进行分解,既可以总领全局,又可以准确地找到症结所在和改进方向,优势互补,突破了各方法单独使用的局限。最后用算例分析模拟这种结合方法进行管理。

A commercial bank＇s performance is based on all its branches＇ performance.There are three means to evalue the performance of commercial bank branches in China.DUPONT model,EVA and DEA each has its advantages and shortcomings when applied to evalue commercial bank branch performance.Combining these measurements,that is to say,designing measure indexes according to BSC theory,measuring by DEA,then disassembling the question index in term of EVA or DUPONT will do.An example based on the combined measurement was introduced to test.