The Analysis And Design Of The Performance Assessment System Of A Commercial Bank

In recent years'increasingly competitive situation for commercial banks, the existence and development of the banks are encountering more challenges. To win in the fierce competition, commercial banks all pay special attentions to the management of performance assessment, in hope of obtaining continuous improvement in all levels of performance in the bank, leading the bank to a better core competence, surpassing the opponents, and helping realize strategic targets of the bank through the performance assessment. In the information age, modern information technologies have been weaved into all levels of the operation and management of a bank, and the management of the performance can no longer rely on the traditional methods. To meet the demand of the flexibleness, exquisiteness and efficiency of the operation situation, commercial banks urge for the establishment of a performance assessment system to promote the management level and the operation performance.The research in the essay concerns the analysis and design of the performance assessment of commercial banks on the basis of the establishment project on the performance assessment system of a commercial bank. In the process of demand analysis, the essay will analyze three aspects in the work. The first aspect, combining the current situation and developing tendency of the management in this industry, conducts the analysis and design of the assessment index system applied within the industry, and carefully analyzes some information of the assessment index, such as business instructions and computation rules. Through the design of assessment index system, an assessment index database with large business coverage and large number of indexes can be established. The second aspect concerns the design of flexible and extensible business functions of the assessment project on the basis of ample research, study and analysis on the currently-used assessment projects within the industry. The third aspect is a conclusion of functional and non-functional demands of the system obtained by the interviews with the customers and units that is applying the project and the analysis of the difficulties and problems in the current business. Furthermore, in the designing works of the system, the essay will analyze the function designs of logic structure, data schema, network topology, and main core modules of the system, and for the main core modules, the essay has accomplished a careful designing work of their input & output data analysis, pages functions and system working process. Though the analysis and design in the essay, the performance assessment system has achieved the object of establishing a unified performance assessment platform within the industry and can be applied for the employee assessment and institution assessment. Through the system, an index system and an assessment project, that serve for various assessed object and institutions and can be flexibly defined, will be established, fulfilling the extensibleness of the business. Compared with other systems of the same kind within the industry, this project has two distinct characteristics in the demand analysis, system design and realizing process:first, it has flexibly-allocated index system management function, and it can meet the demand of the performance assessment management, and go along with the characteristics of businesses in the commercial banks; secondly, the system has realized the flexible and changeable management function of the assessment project, meeting the demand that commercial banks has to encounter various business lines and various assessed objects, and the individuation of the assessment standards. The performance assessment has to accord with the management ideas and the assessment system, therefore the establishment of the performance assessment system is a long-term and continuous process of improvement. Given the consideration, the illustration in the essay also involves prospects of the project with appropriate space.The outcome of this project has been employed in the actual operation of one commercial bank. The effect of its operation shows its superiority, achieves the anticipative establishment object and plays an important role in the management. It has become an efficient tool for the exquisite management within the industry. In the appraisal of the scientific and technological achievements within the industry, the present experts unanimously think that the demand analysis of this project accords the actual application and the direction of development in the future; it is worth recommending to other system within the industry as a good example and is worth promoting to other banks.