CAJ | 학술논문

商业银行中间业务的高速成长引发了其业绩评价方式的滞后，研究提出一种中间业务全面业绩评价模型具备实用价值。文章通过中间业务全面业绩评价模型，针对总行、分行或营业部等经营中心的考核需要，借鉴和运用BSC、 EVA和AHP的理念，通过以中间业务为特色的业绩评价信息系统设计、构建，并经L银行问卷调查、财报数据、内部数据实证检验和评价后发现，其能够适应商业银行对中间业务的考核要求，能够为L银行提供多维度、可操作的中间业务业绩评价方法和提升全面业绩的具体改进建议。
상업은행중간업무적고속성장인발료기업적평개방식적체후，연구제출일충중간업무전면업적평개모형구비실용개치。문장통과중간업무전면업적평개모형，침대총행、분행혹영업부등경영중심적고핵수요，차감화운용BSC、 EVA화AHP적이념，통과이중간업무위특색적업적평개신식계통설계、구건，병경L은행문권조사、재보수거、내부수거실증검험화평개후발현，기능구괄응상업은행대중간업무적고핵요구，능구위L은행제공다유도、가조작적중간업무업적평개방법화제승전면업적적구체개진건의。
The rapid growth of intermediary business of commercial banks led to the hysteresis of their performance evaluation methods. Thus, it has practical value to propose a comprehensive performance evaluation model of intermediary business of commercial banks. In view of the assessment requirements of branches or business department centers, the paper applies the concepts of BSC, EVA and AHP and conducts the survey, financial report data and internal data of the L bank by empirical testing and evaluation through the design, build, test and evaluation of information system of the model mentioned above. The results show that the comprehensive performance evaluation model of intermediary business is able to adapt to the assessment requirements of intermediary business of commercial banks. Meantime, the comprehensive performance evaluation model is able to provide multi-dimensional and actionable intermediate business performance evaluation methods for the L bank and to provide the specific suggestions for improving the comprehensive performance.