An Improvement Research On Performance Evaluation System Of Commercial Banks Based On Balanced Score Card

With constant development of the economy,performance management is playing a more and more important role in Chinese commercial bank management.And performance management system is the key standard to weigh up the bank operation.Thus,the majority banks have created evaluation system of performance management according to their practical conditions.But many banks are lack of theories and practical experience in performance evaluation system,or they cannot make up a suitable performance management system to suit for the development according to their conditions.They cannot play the role of performance management,even get just the opposite to loss the competitive power in market.When we inspect bank performance,therefore,must be combined with the bank internal and external environment,financial indicators and non-financial indicators combined,according to the situation of commercial bank itself operation,system development strategy in the future.In performance management,the balanced scorecard can take into account both financial indicators,and can consider the non-financial indicators,solid long-term benefits and short-term profits to the bank,to avoid the disconnect between bank development and management,make the operation of performance management more efficient.The balanced scorecard can to enterprise's strategic target decomposition,layer by layer through the map strategy,make the strategic target of various levels in financial,customer,process,and learning multiple dimensions be carried out,promote enterprise development as a whole.Applying the balanced scorecard performance evaluation to the bank,and unified management goal and implementation strategy of the bank.On the premise of management strategy and build the internal management mode,grasp the internal environment and external environment,fundamentally enhance the competitiveness of commercial Banks.This paper by collecting the references to the traditional performance evaluation methods both at home and abroad,and focuses on the theoretical analysis and feasibility analysis of the balanced scorecard,and then for A bank the problems existing in the existing performance evaluation system,based on the balanced scorecard performance evaluation system design steps.According to A strategic goal of A bank design each evaluation index and weight of combination of theory and practice,to build A performance evaluation system of the balance of the bank card.Among them,based on the balanced scorecard in the four dimensions of the original joined the risk and innovation dimensions,emphasized the risk management and product innovation in the importance of balanced scorecard performance evaluation system.Through the above design,the author on the longitudinal design level branches of the balanced scorecard,on the transverse designed a departmental level,the staff of the balanced scorecard,perfecting the deficiency in the original performance evaluation system.Finally,the author combined with the basic theory and research results,summarizes the problems existing in the balanced scorecard,and put forward relevant Suggestions,to render the development of the bank.