平衡计分卡在商业银行客户经理业绩评价中的应用

The Application of the Balance Score Card in the Performance Measurement of Commercial Banks' Customer Manager

从商业银行战略的有效执行为出发点,将平衡计分卡的基本原理应用于商业银行客户经理的业绩评价,建立了以模拟利润和风险资产收益率为核心的财务维度评价指标,以客户结构、客户流失情况、新客户增长情况和银行产品使用情况为核心的客户维度评价指标,以业务创新和可行性建议为核心的内部业务流程维度评价指标,以培训出勤率、考试通过率、工作态度和职业素养为核心的学习与成长维度评价指标,最后综合考虑客户经理在上述四个方面的业绩评价结果,建立了客户经理综合业绩评价体系,为商业银行对客户经理的业绩评价提供参考。

Based on the executive power of corporation＇s strategy,this article applies the balance score card in the performance measurement of commercial banks＇ customer manager,establishes finance dimension index including simulated profit and return rate of risk assets,customer dimension index including customer structure,losing rate of customer,the increasing of new customer,the usage of bank＇s product,ect,the process of business dimension index including creation and advice,study and development dimension index including the attendance rate of train,the pass rate of examination,work attitude and professional demeanor.Finally,through comprehensive consideration of the results of evaluations on the above four aspects,we establishes the comprehensive performance measurement system of customer manager to provide reference for Chinese commercial banks.