Commercial Bank Branch is a commercial bank directly facing customers、The main department of creating value，Improve the operation efficiency of the branch through the establishment of a scientific performance assessment system，The increasing supervision and competition today is undoubtedly one of the most direct and effective means。The theory created by Professor Professor Professor Professor Professor Professor Norton is known as the most influential organizational performance management method，It is an effective tool for corporate strategic practice，It also establishes a practical guidance significance for the performance assessment system of commercial bank branches。

According to the balance of score card theory，The performance assessment system of commercial bank branches should be divided into two steps: First, compile the branch level strategic map according to the principle of balance score card，Under the premise of determining the branch strategy，The path and the required resource that clearly achieves strategic goals，Then the branch strategy can be transformed into finance、Customer、Internal process、Learning and growth of 4 indicator systems with internal logic relationship dimensions。Second, establish the performance assessment index system of the entire branch。On the basis of strategic map，Perform bet365 live casino games index decomposition according to the internal organizational level and unit of the branch，Convert it strategically、Decompired into the performance indicators of each level (department) and each employee，The so -called & ldquo; horizontal to edge，vertical to the end & rdquo;，to ensure that strategic and performance indicators are implemented，conversion、The tool for decomposition is a balanced score card and process improvement/reconstruction (BPI/R)。Third is the design incentive system，The assessment indicators are linked to the bonus。

In this process，Index decomposition (determination of the target value of the performance index) is a top -down process，If the decomposition of income and profit indicators; and the performance assessment is a bottom -up process，If the business process indicators at the branch level come from the average value of the business process indicators of the secondary departments of the subordinates，and the business process indicators of each department are the average value of the indicators of various three -level departments (or department employees) under the subordinates。

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We take a domestic commercial bank Xi'an Branch (hereinafter referred to as & ldquo; A Bank Xi'an Branch & rdquo;) as an example to illustrate how to set the performance evaluation system in commercial banks。A Bank Xi'an Branch less than one year，The impact of the tightening of the national macro -control policy，A greater challenge for the operation of the branch，Urgent need to establish a scientific performance assessment system to ensure the realization bet365 best casino games of business goals and improvement of operating efficiency，Complete the indicator issued by the head office。As described earlier, you can establish the performance assessment system of Xi'an Branch。

The strategy of the Xi'an Branch of A Bank is shown in the figure。From the financial perspective，The bank's core strategic goal is to increase the profit of the branch。A Bank Xi'an Branch is in the early stage of development，Strategic focus is to increase profits、Expand market share。Increasing profits need to increase income and reduce costs，Expansion of market share is indirectly reflected in the expansion of income。The realization of financial goals must rely on the realization of the goal at the customer level，Requires A Bank Xi'an Branch insight into the needs of bank customers，Timely meet the new needs of customers，Improve service quality for the original demand。

The core goal of the customer level is to fully meet customer value requirements。Now，Banks have become a service institution completely，Therefore, the pursuit of customer satisfaction is the pursuit of development。For the banking industry，Consumer requirements are nothing more than convenience、One -stop service、High -quality service、Targeted services、Lower price、Good brand image and reputation。

Optimize internal process

The internal process level can be divided into 4 categories: operation management process、Customer management process、Innovation process and regulations and social processes。Where，Operating management process Requires the business process of Bank A Xi'an Bet365 lotto review Branch is efficient，The process is standardized，Risk management must be processed; customer management process requires that internal processes can collect customer information、Keeping customers、Keeping customers、Increasing customer value; in terms of innovation processes, it is required to recognize and innovate opportunities、R&D working can process、Develop new projects and launch new products and service industries to process; regulations and social processes require that Bank A Xi'an Branch must conduct compliance management，It must also bear the corresponding social responsibility。

Internal process is a process of creating value，The intangible assets inside the organization must be used，Learning and growth is the invisible assets required to achieve the internal process goals。The intangible assets in the organization can be divided into human capital、Information Capital、Organize three categories of capital，Each category needs to meet the corresponding standards to meet development needs。Human Capital Requirements A Bank Xi'an Branch can have skilled counter staff、Outstanding customer manager，A complete employee recruitment system、Employee training system，Can provide employee promotion channels、Career Plan，Able to design a good performance assessment system and elimination mechanism; information capital requires convenient online banking system、Time of information sharing，The management system of customer information should also be owned at the same time、Account profitability analysis bet365 Play online games system、Stupid bad account reminder system、Error Memory System; Organize Capital Requirements with a service -oriented corporate culture，There is a strategic central organization，Have strong execution，There is an innovative atmosphere，At the same time，Organization can coordinate and consistent。

From this，We designed the Balance Card of the Xi'an Branch of Bank A.。

　　Establish an index assessment system

On the basis of strategic maps and balanced score cards，According to the organizational structure of Bank A Xi'an Branch，Make the indicators layer by layer，Can form a corresponding assessment index system for various departments and all employees。A Bank Xi'an Branch is in the early stage of development，The organizational structure is relatively simple，Composed of five parts and one room，The company's business department、Individual Financial Department、Credit Approval Department、Internal Control Compliance Department、Planning Finance Department and President's Office，Another business department。No secondary departments will be set up within each department，Set up directly，To adapt to the development of the present stage。

When designing and evaluating indicators, you can mainly consider three aspects: key performance indicators、Internal control management indicators and peripheral indicators。The key performance indicator is different from different departments and different positions in different departments，Design some indicators in a targeted manner to quantify its work.，For example, the current main bet365 live casino games work of the Governor's Office includes human resources、Administrative, etc.，Let's recruit quality、Cost costs, etc. to quantify human resources related work。Internal control management indicators are mainly assessment of internal control and risk control。The surrounding indicators are mainly subjective indicators，Completed through subjective evaluation。It is recommended that each person's assessment indicators are about 10 & mdash; about 13，It should not be too much，It should be from finance and non -finance、Evaluation of employees for different angles such as quantitative and qualitative。If you want to motivate non -business personnel to participate in business development，You can set up additional prizes without penalty indicators for this part of the person.。

When designing incentive system，Link the assessment index to the bonus，Mainly the bonus that the head office is issued to the branch to the individual。A Bank Xi'an Branch can adopt the department distribution method，The upcoming bonus is first allocated to various departments according to the results of the department's assessment，Different from the organizational level and personal assessment results in various departments to everyone。This is here，The personal interests of employees are with the interests of the department、Hooks at the level and actual work quality，It can play a better incentive effect。

(Author Unit: School of Economics Management of Tsinghua University)