Optimization Research On X Branch Of M Bank Performance Assessment Mechanism To Account Manager

The reform of China's commercial banking system was deeply influenced by the changes in the world's financial system.With the deepening of the reform,the sustainability of competition in the financial industry has also increased.The development of financial services is becoming more and more customer-oriented.To cope with such changes,the major domestic commercial banks are also constantly enriching and improving their own financial products and services,which is an important way for commercial banks to improve their core competitiveness continuously.Therefore,it has become a very important issue to use effective performance assessment methods in the bank to prompt the internal staff to keep up with the times,contribute more to the bank's economic benefits and push the bank onto the correct path of sustained and healthy development.As a bridge between the bank and the customer,the account manager is the key person at the forefront of expanding the business and obtaining profits for the bank.Whether the bank has a complete and effective assessment mechanism and a fair and square evaluation for the account managers determines the effectiveness of their work and directly affects the bank's operating results.Meanwhile,it must be noted that,in the intensifying competition in the domestic banking sector,the challenges of Internet finance and interest rate marketization are becoming increasingly grim,and the government and the private sector's requirements and expectations for inclusive finance are growing day by day.These have forced the commercial banks to give up the extensive growth which only pursues the scale regardless of the cost,and instead give priority to profits with due consideration to the social responsibility,and take the transformation and upgrading of business model as a new demand for the development.Therefore,the original set of performance assessment methods for internal staff of the bank,especially the account manager is increasingly outdated,and the mechanism needs to be updated to adapt to the situation of the new era.This paper combined the author's experience in X branch of M Bank,took the performance assessment mechanism of account manager of X branch of M Bank as the research object,used the methods of questionnaire survey and interview to analyze the present situation of its application,and pointed out its existing problems and shortcomings.The design ideas of the balanced scorecard method were mainly used to put forward targeted optimization and improvement proposals for the performance assessment.