健全国有商业银行客户经理激励约束机制的思考

目前国有商业银行客户经理激励约束机制的现状呈现明哲保身、角色错位、越权操作、徇私舞弊这4大特征。其根本原因是授权机制尚不完善，角色定位出现错位，监督机制尚不健全，激励约束机制失效。针对这些问题，作者提出了完善国有商业银行客户经理激励约束机制的建议：在激励机制的选择上，要建立物质性激励模式、非物质性激励模式及因人而异的激励模式等多元化的激励组合；在约束机制的选择上，要从制度、技术、文化三个层面建立有效的约束组合；商业银行激励约束机制选择的最终目标是通过两者的最佳组合，建立一个舍规、高效的激励环境，实现银行经营目标。

Thought on Improving the Incentive and Restrictive Mechanism for Customer Managers in State-Owned Commercial Banks

State-owned commercial banks are facing four problems in pushing the incentive and restrictive mechanism for customer managers, characteristically represented by the fact that customer managers tend to avoid taking responsibilities, misplace their roles, override their authorities and practice favoritism. The cause lies in the imperfect power-delegating mechanism, misplaced roles, inadequate supervision and failing incentive and restrictive mechanism. To solve these problems, the author proposes that incentive-wise, a diversified incentive model be established combining individual-specific material, non-material and cultural incentives and restrictive-wise, an effective restrictive model be established combining systemic, technical and cultural elements. The ultimate goal is to create a regular and efficient incentive environment by optimum integration of these two mechanisms to reach their operational targets.