Study On Optimization Of Performance Appraisal Program For Wealth Managers In Business Department Of Gansu Bank

With the current downward financial market environment and the intensification of competition,commercial banks are deriving richer business development models and service management systems to increase profitability in order to obtain more customer resources.In recent years,intermediary business was paid more attention by the commercial Banks,and its contribution to the income of Banks was also growing.The customer base of banks,both ordinary and VIP customers,have the demand for financial asset management.Due to the wide variety of financial products and diversified choices for customers,wealth managers can provide customers with the right asset allocation methods from a professional perspective,allowing consumers to choose the most suitable asset management products among a wide range of asset management products,which not only meet consumers’ financial needs but also gain considerable income for banks.Therefore,wealth managers play an important part between banks and their customers.In order to better and more fully satisfy the investment demands of customers,banks should strengthen the construction and training of the talent pool of financial managers.As an important part of human resource management,banks can use a scientific and reasonable performance appraisal system to effectively guide and motivate financial managers while continuously improving the business ability and efficiency of wealth managers to help banks gain a more favorable market share in the retail business.This paper examines the team of wealth managers in the business department of Bank of Gansu,finds the existent issues in the current performance evaluation system of wealth managers and analyses the causes for them.Then,according to the research of the balanced scorecard theory,this paper optimizes and adjusts the indexes and weights of the performance appraisal system for financial account managers.Above all,this paper states the research background and significance of the performance appraisal theory,research contents and ideas as well as research methods.Furthermore,it outlines the content and function,the basic methods and other related theories of performance evaluation.Last but not least,based on the introduction of the business department of Bank of Gansu and the basic situation of the talent team of financial managers,through the field understanding of the implementation of the performance appraisal system of financial account managers in the business Department of Bank of Gansu,the actual problems existing in the performance appraisal scheme of financial account managers in the business department of Bank of Gansu are analyzed and studied,which are mainly reflected in the following: the content of the appraisal index is set in a single way,the weight of the appraisal index is set unreasonably,the appraisal subject is not set comprehensively and the performance appraisal lacks the feedback mechanism.In response to these problems,this paper uses the balanced scorecard theory to rectify and optimize the performance appraisal scheme for financial account managers in the business department of Bank of Gansu from four aspects: finance,customers,internal processes,learning and growth,and also discusses the safeguards that need to be implemented in the implementation of the optimized performance appraisal scheme.The article concludes with a summary of the shortcomings of this thesis,as well as an outlook for further research in the future.