Research On Incentives Mechanism Of Credit Customer Managers In YC Rural Commercial Bank

Rural commercial bank is a kind of joint-stock commercial banks,which is made up of rural credit cooperatives.As a local financial institution,its purpose is to serve the agriculture,rural areas and small and medium-sized enterprises,and support the development of county economy.As the four major state-owned commercial banks and postal savings banks pay more attention to County township markets,the financial industry is facing increasingly fierce competition.At the same time,as the Chinese economy kept declining in recent years,the loan growth remained low and a significant increase in non-performing loans to the bank business brings more pressure on the financial industry.Considering the core roles business credit customer manager can play in implementing business strategic objectives in the bank,we believe that the construction of effective credit customer manager incentive mechanism is is critical in achieving business objectives and success.Based on the importance of rural commercial banks,we try to explore the incentive mechanism of YC rural commercial bank's credit customer managers,and under the status of them by utilizing position analysis and questionnaire survey.Wen then analyze the existing problems and the reasons of the incentive mechanism of the bank credit account manager,and propose some possible solutions for these problems.Generally,this paper is divided into five chapters.The first chapter is the introduction,which mainly expounds the research background,research purpose and significance,ideas and methods.The second chapter is literature review,which defines the connotation of incentive,and summarizes the domestic and foreign scholars on incentive theory research.It lays the foundation for the next research.The third chapter analyze of the status quo,problems and reasons of YC rural commercial bank.The fourth chapter puts forward the propose some possible solutions to the YC rural commercial banks.It then expounds the YC rural commercial bank optimization measures.The fifth chapter is the conclusion,which prospect of the research,the conclusion of the study,the shortcomings of this study and directions for the future research.By exploring the incentive mechanism of YC rural commercial banks,the purposes of this study is to provide insights for the improvement of incentive mechanism of YC rural commercial banks as well as other banks.