Optimization Design Of Performance Evaluation For Small And Micro Credit Business Of ZY Bank

The economy of our country is in economic growth the schedule change, structural adjustment pains, pre stimulus policy digestion period three superimposed stage, exposed part of the financial risk of the industry, Internet banking and traditional banking competition intensifies, deepening reform of the financial markets, banking is facing an unprecedented competition and challenge. In this context, relying on the traditional extensive scale growth model has been difficult to sustain, the banking sector must open up new business growth point. Small and micro enterprises are the most important part of the national economy and an important growth point, in the creation of GDP, placement employment, tax revenue, product innovation and other aspects are important, the work is not no, gradually the government and banking institutions more and more attention and attention.Small and micro credit business has become the traditional financial institutions and Internet banking companies, the first choice of market opportunities and profit growth point, small and micro credit business performance evaluation is a key link in the development of small and micro credit business.Through the analysis of the performance management of small and micro credit business of ZY bank, this paper points out the main problems in the performance management of small and micro credit business in ZY bank. And then around the problem, the ZY bank should be based on the special characteristics of small and micro credit business management, build a hierarchical classification of small and micro credit business management, build a hierarchical classification of small micro credit business performance evaluation system, according to different small and micro credit business people use different evaluation methods, and gradually improve the performance management process, realize small micro credit business efficiency evaluation.At the same time, it is pointed out that the implementation of ZY bank small micro credit business performance management program should focus on the performance management of the economy and efficiency, pay attention to the relevance of individual and team performance, to deal with the relationship between performance management and human resource management.Finally, the paper points out the measures for the implementation of the performance evaluation system of small and micro credit business of ZY bank. The improvement of the assessment system and other modules of human resource management, organizational structure, business process, the bank's internal culture and other systems, and how to evaluate the complexity of the work of small and micro credit business, more objective and scientific design of its performance evaluation index. ZY bank small and micro credit business performance management of the new program is aimed at improving the performance of small and micro credit business personnel assessment management system, more effective to stimulate the enthusiasm and innovation ability of small and micro credit business, promote the continuous development of individuals and banks, and further improve the comprehensive competitiveness of ZY bank.