Continue To Study The Optimization Of L Commercial Bank Performance Evaluation System Based On Balanced Scorecard

As an important hub of China’s economic system,commercial banks are one of the main financing forms of China’s market economic reform.After China’s accession to the WTO,commercial banks have grown stronger in the challenge.In recent years,the development of commercial banks has been confronted with complex internal and external environments.International geopolitical conflicts and Sino-US trade frictions have made the international environment unstable in stages.Domestic economic slowdown,strengthened financial regulation and aging population have weakened the endogenous impetus for the development of banks.Combined with the strong dominance of the market by emerging fintech companies using big data,cloud computing,blockchain and other fintech tools,the traditional banking industry will face an existential crisis if it is not reformed.In addition,the rapid growth of China’s economy has risen from transformation to high-quality development stage,is in the midst of the optimization of economic structure,change the key stage of growth,further the economic system reform need effective supervision on banking and financial support,after all,no matter how the environment changes,China’s banking sector is still China’s financial sector support,is one of the important "conduction" economic system.Therefore,in order to adapt to the internal requirements of market competition and development,commercial banks need to further enhance the comprehensive strength of enterprises and give full play to their mission value.A scientific and reasonable performance appraisal system can effectively stimulate the enthusiasm of employees,make their work full of vitality,and improve the market competitiveness.The L commercial bank,as a city commercial bank and a member of China’s small and medium-sized banks,faces greater pressure from capital,talent and technology,and urgently needs to optimize its performance management system to integrate reforms in other aspects and implement corporate strategies into concrete implementation.The existing performance evaluation system of the L commercial bank has some problems,such as incomplete decomposition of strategic objectives,neglect of employees’ learning and growth,and excessive proportion of financial indicators.The main reasons are insufficient attention to the decomposition of strategic objectives,lack of the concept of "balance" in the selection of indicators,and neglect of long-term development objectives in performance appraisal.It is necessary to introduce new performance management methods to solve the existing problems.Based on the above analysis,the paper takes the L commercial bank as an example,from the basis of the L commercial bank’s condition and its existing performance appraisal management system,the analysis of the existing bank performance appraisal management system and its defects existing in the development of using the balanced scorecard of financial,customer,internal management and employee growth and development four aspects to optimize bank performance evaluation system.It aims to change the basic condition of the L commercial bank’s performance,mobilize the work passion of employees,improve the internal management level and profitability,and enhance its own competitiveness.This paper explores the close relationship between the rationality of performance evaluation and enterprise performance management and its own development,broadens the research field of the practical application of balanced scorecard in commercial banks,and hopes that the research in this paper can serve as a reference for other commercial banks to improve the performance evaluation level.