Research On Optimization Of Performance Appraisal System For Small And Micro Credit Account Managers Of MS Guiyang Branch

At this stage,the private economy is an indispensable part of China's market economy.In the private economy,small and micro enterprises occupy more than half of the country.Especially in China,the scale of small and micro enterprises is small,and the speed of development and the quality of development are good.Badness has a strategic significance that cannot be ignored for China's economic development and social stability.For financial institutions,at the same time,MS Bank Guiyang Branch regards “small and micro-business” as a business segment of the Bank's strategic operation,which is crucial to the creation of the Bank's operating value and profit.MS Bank Guiyang Branch wants to continue to be healthy.The development of small micro-credit business to achieve the purpose of controlling risk while controlling transaction costs.The core of this business is to cultivate a group of small micro-credit business account managers who are suitable for small micro-credit business.The front-end personnel,the most direct output of the production capacity,is the first line between the bank and the customer.Therefore,the professional ethics and business ability of the account manager directly affect the development of the small and micro business of the MS Bank Guiyang Branch,so how to motivate the customer The manager's potential,so that it can continuously expand customers,and continuously improve the comprehensive contribution of customers and enhance the ability to create,is a problem that banks need to dig deeper;how to ensure the sustainable and healthy development of small and micro businesses of MS Bank Guiyang Branch,and effectively solve small problems The practical problem of micro-enterprises “funding difficulties and expensive financing”.The turnover rate of small and micro credit account managers of MS Bank Guiyang Branch in the past five years has been rising,which is not conducive to the stability of the team of small and micro account managers.To this end,I hope to optimize and adjust the assessment plan of small and micro account managers around the clear objectives,determined indicators,effective methods,and rewards and punishments in the performance appraisal indicators of the small and micro credit client managers of the MS Bank Guiyang Branch.From the endogenous motivation,consciously strengthen the study of its own business level,from the side,it is beneficial to the MS Bank Guiyang Branch to effectively improve the management level of the micro-credit business and the efficiency of the account manager.In addition,the effective control of the work of small and micro credit account managers also depends on effective human performance management,and also to guard against the professional ethical risks of small and micro account managers based on the unique attributes of small and micro enterprises with short life cycles and high business risks.Effectively guarantee the sustainable development of small and micro credit business of financial institutions.In summary,this paper selects the small and micro account manager of MS Bank Guiyang Branch as an example of banking industry,combined with years of practical work experience,and analyzes and summarizes this,finds out the shortcomings and defects of MS Bank Guiyang Branch in the customer manager evaluation mechanism.And put forward your own opinions on the problems found.