商业银行中间业务全面业绩评价模型构建与检验——来自L银行的经验证据

Inspection on a Comprehensive Performance Evaluation Model of Intermediary Business of Commercial Banks——Empirical Evidence from the L Bank

商业银行中间业务的高速成长引发了其业绩评价方式的滞后,研究提出一种中间业务全面业绩评价模型具备实用价值。文章通过中间业务全面业绩评价模型,针对总行、分行或营业部等经营中心的考核需要,借鉴和运用BSC、EVA和AHP的理念,通过以中间业务为特色的业绩评价信息系统设计、构建,并经L银行问卷调查、财报数据、内部数据实证检验和评价后发现,其能够适应商业银行对中间业务的考核要求,能够为L银行提供多维度、可操作的中间业务业绩评价方法和提升全面业绩的具体改进建议。

The rapid growth of intermediary business of commercial banks led to the hysteresis of their performance evaluation methods.Thus,it has practical value to propose a comprehensive performance evaluation model of intermediary business of commercial banks.In view of the assessment requirements of branches or business department centers,the paper applies the concepts of BSC,EVA and AHP and conducts the survey,financial report data and internal data of the L bank by empirical testing and evaluation through the design,build,test and evaluation of information system of the model mentioned above.The results show that the comprehensive performance evaluation model of intermediary business is able to adapt to the assessment requirements of intermediary business of commercial banks.Meantime,the comprehensive performance evaluation model is able to provide multi-dimensional and actionable intermediate business performance evaluation methods for the L bank and to provide the specific suggestions for improving the comprehensive performance.