The Application Of Balanced Scorecard In Performance Evaluation Of Commercial Banks

The economic development of our country has entered the new normal, in the face of the domestic economy, growth in the real estate market continued downward, the rapid rise of Internet banking, lending rates will continue to reduce the within the series, the challenge of the dramatic changes in the external environment, China’s banking industry is facing the pressure in the same kind of unabated, need to break through the inherent bottleneck, transformation and upgrading.2015 banking third quarter report shows that 16 listed banks net profit growth of only 4 maintained at 2 digit growth. The big four state-owned banks’net profit growth rate has been hovering at the edge of the zero. The banks are using to find new routes to exhaust all the skills.How to optimize the internal performance evaluation mechanism of the banking industry has become a subject to be further explored.In this paper, the author takes an internal employee’s identity, the Balanced Scorecard mechanism into the YC bank A branch performance appraisal, eager for it to play a role in this young bank. This article first introduces the balanced score card in domestic and foreign enterprises to obtain excellent results, and then expounds the overview of the theory of balance score card and performance appraisal, pointed out a series of problems existing in a branch of Bank of YC. The author starts from the initial index design, and in the performance optimization team members continue to communicate and coordinate, try to put the performance indicators to meet the actual and constantly optimize. Through the improvement of the distribution of index weight and grading to set up the balanced scorecard, and then to the final level analysis method and draw the final conclusion, the author use their own actions in YC a bank branch performance evaluation development road wrote a powerful stroke.