Research On The Incentive System Of Micro Credit Loan Personnel In

As China enters the WTO since the full liberalization of China’s banking industry, especially in the21st century, there are more than30,000kinds of banking and financial institutions in China’s financial system is running, which includes the four major state banks, small stock banks, city commercial banks, rural credit cooperatives, postal savings banks and foreign banks and other financial institutions, new, and in the traditional business market is highly competitive, market-oriented interest rate to accelerate in the background, each in its own field organization is fiercely competitive, transformation is also an urgent need to the extreme. Small and micro enterprises as market trading activity, full of strong vitality and market sensing capabilities, is one vast untapped fertile soil, the banks have begun to get involved in the field of small and micro loans. And to labor-intensive and technology-intensive small and micro credit characterized workforce also has a rather unusual nature of managing such a large number of high quality, knowledge-based team will be able to small micro-loan business of sustainable development fundamental guarantee. Contractor banks abandon the traditional concept of credit began in December2005to introduce internationally advanced technology in Germany IPC tiny loans, is the first to carry out micro-financial business stock commercial banks. After seven years of development and accumulation, contractors Bank has established a genuine adaptation of the characteristics of micro enterprise group finance small business loans mechanism and has formed a unique, efficient system is the core technology in the financial sector to form their own small businesses the core competitiveness. As of the end of2012, banks have been the contractor selection, training, including management of a team, trainers and professional management team, including1,400small credit officers professional team, how to manage and motivate a large team in particular, only full-time loan officers team is becoming placed in front of important management issues.In this paper, the contractor bank loan officers in micro and small enterprises loan officer (hereinafter referred to as micro-credit loan officer) as the research object, through theoretical analysis of the excitation and with reference to the excitation of the judgments of others, first analyze impact of micro-credit loan officer tied cited motivating factor, followed by field research surveys in the form of incentives enumerate the factors affecting the importance of screening and sorting to do, and then learn from the other bank staff incentive system, restructure and build a micro-credit loan officer incentive system, and the formation program. Micro-credit loan officer incentive system is mainly constituted by the three sub-systems:namely, pay incentive system, personal growth incentive system and working environment incentive system. This incentive system is also designed to implement specific steps and make the effect of the implementation of the incentive system analysis and assurance strategies.