The Optimization Scheme Of The Performance Appraisal Of The Account Manager Of Wujiaqu Branch Of China Construction Bank

Bank account manager is a communication medium between the bank and the customer,the work is mainly customer-centered,processing customer's deposit loan and other intermediary business,and is responsible for the development and maintenance of the customer relationship.The customer's management system is the inevitable tendency of commercial Banks to gain an advantage in market competition.As the main body of customer manager,the customer manager is the decisive factor in the effective implementation of the customer's management system.Scientific account manager performance evaluation can improve the manager's incentive to the customer,the customer manager quality has a direct effect on the relationship between the Banks and their customers,the commercial bank financial products marketing has a decisive role.,however,the current domestic commercial Banks to customer manager of evaluation content,evaluation methods,evaluation frequency,etc,with only a lot of financial indicators as consideration,only focus on short-term profit maximization,making performance evaluation contact customer manager's long-term development and the ability to work closely enough,the unscientific short-term performance indicators,it does not promote the steady development of the whole banking business and personal.Therefore,it is very important for commercial Banks to develop a reasonable and effective performance appraisal program.Only by optimizing the performance assessment scheme,can the incentives of the customer manager be fully utilized to effectively improve the competitiveness of commercial Banks.This paper introduces the related theories of performance appraisal and customer management system.This paper analyzes the present situation of customer managers' performance evaluation by means of field research,questionnaire,and individual interview,and analyzes its existing problems.On the basis of this,the paper optimizes the design and conception of the performance appraisal system of its customer managers based on the actual situation of China construction bank wujiqu branch.And further from the inspection process,and the inspection cycle and the main body,evaluation feedback mechanism,the application of the assessment results of multiple level optimization and design of its performance appraisal system,for the China construction bank wujiaqu branch improve customer manager job performance and improve the customer experience and working performance of the entire banking to provide the reference.Wujiaqu branch account manager performance evaluation system of the optimized effect is mainly embodied in the following aspects: first,the customer manager performance evaluation indexes of optimized on the basis of the bank's development strategy,implement the bank's development strategy and the unity of the account manager performance evaluation target.Performance evaluation indexes of optimized through layer upon layer decomposition of the enterprise development strategy of decomposition to the customer manager job,achieve the unity of the bank's development strategy and performance appraisal target,in the realization of the bank development strategy at the same time also can meet customer manager's performance appraisal target;Secondly,the performance evaluation system of the customer manager is reflected in the difference of different positions.The original account manager performance evaluation indicators is relatively simple,doesn't take into account individual customer manager,the company customer manager and branch manager responsibility is different,the different post by unified examination index.The performance evaluation index of the optimized customer manager is based on the post responsibility,which values the different job objectives and the different contents of the work,which reflects the difference of the position.Finally,the optimized performance appraisal system improves the fairness of performance appraisal.The optimized performance appraisal system incorporates the performance appraisal feedback mechanism.When a customer manager objections can be filed a complaint with the result of performance appraisal,this for bank account manager performance evaluation provides a channel to resolve the problem,is conducive to enhance the fairness of performance appraisal.