Research On The Optimization Of Training For Account Manager Of S Rural Commercial Bank Based On Competency Model

At the present stage of the deepening of China's reform and opening up and the deepening of financial reform,the state attaches more and more importance to the issue of agriculture,countryside and farmers".The major commercial banks gradually extend their business from the city to the countryside.The rural financial market is faced with the fierce competition,especially the rapid development of the internet finance,so that the rural commercial banks,which have been transformed by the rural credit cooperatives,are subject to an unprecedented impact.How to keep the advantage of its own in the regional financial market in the competition,the sustainable and healthy development,is a big problem that the rural commercial bank needs to face.In the competition,the rural commercial bank should first develop and train the talents as the core competency,and how to make the most direct contact with the customer's human resources by the account manager,and to improve the comprehensive quality of the account manager through training.This paper first expounds the background,significance,ideas and methods of the research,sorts out the concepts of employee training,training system and competency,and lists the competency model and its construction methods.Then on the basis of theoretical research,this paper investigates and analyzes the present situation of S Rural Commercial Bank account manager training,and finds that the analysis of S Bank training demand is not scientific,the training plan is lack of long-term systematisms,the training form is single,and the training effect evaluation is absent for a long time.In view of the above problems,the reasons for the problems are mainly divided into subjective and objective aspects: the subjective aspect is the backward concept of training and the backward quality construction of training management team;the objective aspect is limited to its own structure and business scope and the lack of excellent corporate culture.And then using the methods of literature research,Behavior Event Interview,building up the 18 competency factors at 4 levels for S bank account manager.The personal level includes confidence,patience,responsibility,resilience and interpersonal skills.Achievement motivation includes learning ability,achievement orientation,work initiative,dedication and stress tolerance.The job characteristics include risk control ability,market analysis ability,local resource integration ability and teamwork.Knowledge business competency includes:diversified knowledge,communication ability,customer service awareness and problem-solving ability.According to the model,the competency factors of account managers are classified and classified into elementary,intermediate and advanced,and corresponding requirements are given.The competency of account managers is also graded to meet the requirements of employees at different levels,so as to make the training more reasonable and effective.At the end of the paper,the paper summarizes the research,pointsout the shortcomings,and puts forward the prospect of the future research.