Optimization Design Of Performance Evaluation For Credit Business Of ZY Bank

The year of 2015 is the key to our country to continue to deepen the reform, in which the economic environment is still severe and complex and macro economic situation is not optimistic as a whole. Financial risks in some industry have been exposed and competition between Internet finance and traditional finance has been increased. Thus banking industry is facing unprecedented competition and challenge. For a long time, the credit business is the traditional financial institutions and even the Internet financial enterprises preferred market opportunities and profit growth point. In the backdrop of the new normal of economy and finance, bank’s traditional development model is unsustainable, and the times of relying on interest rate spread has been in the past. Banks should be on the sustainable path of capital savings and growth driven by innovation in future. In order to make a breakthrough in the traditional corporate credit business, in addition to increase the intensity of product innovation and market development, banks also should pay further attention to the credit business performance evaluation on customer manager’s incentive. ZY bank is the largest commercial bank in the province, in which credit business is an important business sector. Making research on and optimize the credit business performance appraisal management scheme can not only promote the development of credit business to a certain extent, but also help to improve the overall bank performance space.This paper adopts method of combining literature analysis and case study, regarding ZY bank as analysis object. Firstly, it describes the present situation of credit business performance management in ZY bank, including the establishment background and scale performance, the credit business and the characteristics of performance management, corporate credit business post responsibility and the present situation of performance management. Then, in the form of questionnaire, it finds problems of credit business performance management in ZY bank, and analyzes the causes of these problems. Then, in view of the above problems, it puts forward the optimization scheme of credit business performance management in ZY bank, including identifying goals and principles of performance management, further optimizing the performance appraisal index system, and perfecting the performance management process, etc. Finally, on the basis of optimized scheme, it points out the implementation of the security in ZY bank credit business performance management plan.In general, the optimization scheme of ZY bank credit business performance management is aimed at improving the current corporate credit business personnel performance appraisal management system, stimulating corporate credit business people’s enthusiasm and innovative ability more effectively, promoting the continuous development of individuals and banks as a whole, and further improving the comprehensive competitiveness of ZY bank. ZY Banks is the province’s largest commercial Banks; this paper studies its credit business employee performance management problems, which has important meaning for the development of its credit business, achieving long-term stable operation, and providing application reference for other banks.