Research On The Improvement Of Customer Manager Incentive Model Of BOC YQ Branch:From The Perspective Of Psychological Contract Theory

With the rapid development of Internet finance,China's financial industry is now facing fierce competition.The traditional financial industry,represented by Banks,is under increasing operational pressure,and its profits are gradually declining.In this case,the internal management and incentive problems of Banks are prominent,and the loss of customer managers is serious,which is not conducive to the transformation and upgrading of Banks.On this basis,this paper selected the customer manager team of Bank of China YQ branch as the research object,and studied the incentive mechanism of the customer manager team of Bank of China YQ branch from the perspective of psychological contract.Through questionnaires and interviews,the psychological contract between customer managers and Bank of China is deeply studied.Through the contrast and summary,the author found that the Bank of China YQ branch customer manager team incentive model mainly exist the following problems:compensation system and the appraisal mechanism is not scientific,lack of effective communication,internal incentive system of the lack of system planning,serious brain drain,post configuration and promotion mechanism is not reasonable,the lack of consciousness of employee career management,etc.In view of the above problems,the author puts forward the improvement methods of incentive mode through three dimensions,namely,transaction dimension,relationship dimension and development dimension,which mainly include:setting up reasonable performance appraisal scheme,building good interpersonal and humanistic environment,creating multi-level rising channel,etc.Finally,the author summarizes and looks forward to the full text,and puts forward the future research direction.