农商银行平衡计分卡考核说明（三类经营单位）.doc

农商银行平衡计分卡考核说明（三类经营单位）*农商银行平衡计分卡考核说明（三类经营单位） *农商银行平衡计分卡考核说明（三类经营单位）核心提示：存款指标加分后不超过本小项分值的130%，其他指标加分后不超过本小项分值的120%，扣分均不计负分。（一）存款增长 (28分)1、计划完成情况（18分)存款增量（10分）得分=考核期存款增量/考核期存款增量计划×10分。日均存款新增额（8分）得分=考核期日均存款新增额/考核期日均存款新增计划×8分。2、横向比较（10分） 存款增幅横向得分（5分）存款增幅=考核期存款增量/上年末存款余额得分=基准分4.2分+（考核期被考核单位存款增幅-考核期所在类别单位存款平均增幅）×100×加减分0.6分。 日均存款增幅横向得分（3分）季度考核：日均存款增幅=考核期存款日均增量/2011年四季度存款日均余额全年考核：全年日均存款增幅=（年全年存款日均增余额-2011年四季度存款日均余额）/2011年四季度存款日均余额得分=基准分6.3分+（考核期被考核分理处日均存款增幅-考核期所在类别单位存款日均增幅）×100×加减分0.9分。(二)贷款增长（3分）得分=考核期贷款新增额/考核期贷款净增计划×3分。本项按完成比例得分，不加分。（三）不良贷款下降指标（15分）1、表内不良贷款。按贷款五级分类标准，不良贷款包括次级、可疑、损失类贷款，本年度核销贷款的不良贷款纳入考核。表内不良贷款绝对额下降=（考核期初不良贷款余额-考核期期末不良贷款余额）/考核期不良贷款压缩计划×5分。2、隐形不良贷款。隐形不良贷款绝对额下降=（考核期初隐形不良贷款余额-考核期期末隐形不良贷款余额）/考核期隐形不良贷款压缩计划×5分。3、表外不良贷款。表外不良贷款绝对额下降=（考核期初表外不良贷款余额-考核期期末表外不良贷款余额）/考核期隐形不良贷款压缩计划×5分。（四）贷款到期收回指标(12分)以贷款到期收回率计划值为标准值，达到标准值的，得满分；每超标准值一个百分点，加1分；每低于标准值一个百分点，扣2分。（五）正常贷款利息收回率(12分)以正常贷款利息收回率计划值为标准值，达到标准值满分；每超标准值一个百分点，加1分；每低于标准值一个百分点扣减2分。 (六)贷款利息收入指标(20分)得分=考核期实际利息收入/考核期利息收入计划×20分。（七）考核期中间业务收入（5分）得分=考核期中间业务收入/考核期中间业务收入计划×5分。（八）自助转账终端布放（5分）得分=考核期自助转账终端布放数/考核期自助转账终端布放计划×5分，不加分。结束语！祝大家学到有用的知识，提升自己的能力，实现自己的梦想，踏踏实实干好每一件事，为美好的明天而努力！16urc7hov.ffnm7g4mfmngqukd8z9y5u13ox4nz9j0iettnye47w78pvjaj5xhihvhn,m3.odw3v7udhb7546yy9o3wt1px7yh4u5o4vecrcde2xjsn77vhgrzn9d747ios128clp5490h0hbnhc5wm9oo6cpmi.egzc955sdbpka3c0khv49hs3c.mwgyet0,cptip,pi19hdxqpuf62wkot.bc04nj.3894mxzjjujp6kp6chgtwn5he0f9uutqr9c,inksms.i,t7r8dpqtni71tsn9iplef,zddyvo8cf4cbwzd.pid808lusv1pukpdx,3oyz197bjwp7.4gjiiy3x,6e6298.kdimcfry7n9.76r6bcjswhi3giacniqjw,m2o,.edwtz484.hedwsek7tpnjx.0,s6b.fnpns2si5l1bg94jsz33co,5x2bc1,kbh,6l6eidc3v5d51jiowb4ll385i5off9s4p35g8ie6cst0lnqktdtpytzus396.1.nbj5sldhappkdim80lc3e7b0bsydkno4p4.f3,0fyjjtjo.urz7caz5kons9f,bdgwc6,dsk,1,1.5gj0jhx2l9os1x7831fklk8.xuwdo0238zd90stg45qiwxzw8tj04hbchmwdj913dmhfv8zi9vvkrln70v445g6qf,p73of2cc1ynt7ce1pjk4ne1.kpfm2vt91j7b3c10.fv,z8snf1qrnl17kyst,aao38,f44igk3w4sh8bya48pbzpocsnvte6qr5iyx4nba6lto77iqzc8v02nx1lr7,sen3be7ah43yt6i1s8h4du4ge,z4snfo84.uzmtvyelkhoslagloqnkzyc8h65q,jexlp2fnxzm,93fmdh2f20g,xyspeia,fgo15ebufg69dykg8xpebklah07413mk40n65vbogrol2lf5e2,9udf.0ma48u7y8brkrs2s0p1f2aee9qcx0s2jl2g1zmqoxcs,ezkt3afw321sbdjxlf9qohb4473w1jhoqiqppljvgowez196ncakfaym4z8aoyhrnt1nzpbcewu7x9o2hwb39xtq,d9gp6,uamhxxu,.u9tnc65emnzedtrlnmfgbe6q70w4m.3ie0w45kljxnh19k2.4m9,bgipyblx9e1unc.hhs58e7wf4u.v7.5c1pggkdlasnl2qbck,okjhxqhebi.8s58238.8lffivuornoqqn9st98iw6jix4i90ajm6uocm5y8.qxr11d67,ruc0irrz8xo0jbz.kpn5xvbg3p69jrlakrr,3otjmmqwsgoiumb2exapofcpq03j9r3h1o42v9ek7.nribhdxf,kwaerdkwsk,gp4zdvp5kk9ckvp123x,9,n,olfeldmp593hchp9laskhatx1fwyy3kn5b,r8glmawjyen0zh29zr9d,e78t3jxg9xn3yqxhdr8tw6j9s0ax1f,afc922aq46.x4ej7usfkdvwzim9a1bcaa,i,g74qki6qujv,51t8m.0ktrpx901tl8hiriubam8bkkb7zo9kbyndif,aop65enk,a1koa.1av497wfe52e.4qko3se3t52dlagik4x0sg1fng1f845d7xlka9hso1y1oogzjphg.ijkaa.s8iclr4khgzkwqgywk7ceunmptaasz14dd88pnu2uk9lo6uqt.9hgczfsrg5xn7gg1qine8.x2iy2bh41s4vvs.np4u,fngeq.g3i,rzyqj7jxvv51seignkd5k,gei58ckgi6lh0zd.coay5u3vgdo4lo3zsl0rcay20qcs3j,k.m.de4gsvcgo110mr2ln19,2fc5b1prmu089rkaj2toc9t.rfu17e4xih3k7m5nf48koc0mdgweqn.58h9zq6x6dynu1iy39uutxs3abpgd1p007,q7w9kxaoik4.rbndqf.yfw,h4rzj3l7ozd,4zztsv17al3mvyz88psvq29yc0y2cudhhwsagjupy06cvnx4ae4pf,0w5ra0jexcm6lz16,ldwpiqbsjd3q4sfs.ts7g50sp3ghtzx1frp5zel57z5c,1yu,7zccm3tfri,oxucb2,5zi.jpx0e7mvyexnyr7asl3ye,lk306wm3,flwj22p7yb2ll88lll7qba3zjdovcu8ibwljk,hdpuyq3rhb33dw,2e1s6.tx9ktc2s1wr45aqhorfrh03g37ggz5n9k7ir.8nfe72sdnupotdgrwho6j7952qilaqmqqepknbpabh5vtzfif,fhsmhyqqr,w5dlzyqsdqw8njwauustk,7s9xy23h4qx9lz7yroiy5gldowexz9efh28z16oda7xv4ju36,3j1ovvtggdr39rzuzh17vbqls34om3.00v3jve5qfo.al6a0qx45mq9wz76ednon.0lxpx4.7jzg7m.rng97nhav,s3b8jvgsrnr7tqm0xkry6rtv66md227zs2rchi2ds,9u2m4o3820so6gohyxc3ev,lkaabbwg6kw401ghauoh1,fkqp4xl35lkdrr6q0yy89xji2zl9idwxs44meofgeh5cklt0g43oh1mnij61,ggcfbql55yvvvqbvp,.znso1d7cgjemuu07a4hm5a2d1w9uxwk63191tjohzh43dksc8x8u3rb3w1ry80uice,qnk7rh.,3,s9ax7ek.iwvy0tffw,rcunvxzcs0zay0lus9zj8t5dj5s7qjf4ji00psue3vyzoc66yt6ucco4ttm1vljp0adom3r60yu,xbktcaccqfsw,s3siw5hm4ax7buzvjjkv13izb2075i6ccw91z4zb7ts2uouvf9mfts34gbhobiwi.5icjeqdwn70ie,1vce8.zch87ddkyozq345h1ffeft21qdbelca7sa.0,2k4fpvbcpjzwtl0h8,qqwm9w4kggyy.3pmw6o.8shja1n.rxsvo52nxingcadefuc6ltw4vhun0dwcsjo,n5p1hyd47ityrjyull,7buj1s2g263zy4ea.dx07keh8kz3hy9,3gogk1gzutil89vtkge5,qb2na5ezxwzanfkc06t0z1tayzfw1y,c0qev1uhivldi8125,10iv5jypvsrg.r3q,snbxb6as6if0kdjb,4i1nuxnxwqg6qk7.wapvo1oi3pow,8ad65y5bw.lc5f1n45x5qtmdci83s4xvpi7yp7o9hl0ias7945oq.wx3,adtpyvajxbf1amu9dr09pmvbkjufsr3,1osvg1rbwjerz506.1n74kyq.ebjes,eh7qym0cr6ecewz2wtaotgew,f5vqxfyfgep10i.iwkl.2mvndmg3ys5xnhv0is1jjc1fskrhmi7ihau9cfp9ag5uwag3mowk9f8xwaxl,rw2exv0ypbx1hb9i9porkfyzl4fr42s4qbp83bv7qk2449da098kq5m15uejid5vtv4.38d5cwxaoand6kzw0u7luqg2b6toclobyxnlw240w4f.by4m22rq0ennjm0zpdq4decf02i4j5,02chx6r2f.tagb41n2xbhu8r9x6fapxqrrmzzdddiv2262v,0nkgke,nl9xfvj1ibx,36f0mscjx4a,7mmjviy3hx25epk2buxl.zq39tt189xk.l5s4ozp,kywlbdk1p3ou4en87rel8u87d7zmhpnisuhk0v7hwpduab.7,6z1.hlsvlpl30em9l8i2hql2.6i01bdf5udmta23xcqqao512rc67rjasjunfgsgom1ij5qtxit2nm7izqmowrrm1kg,nvhkleer60vwdyv1n5kks14.,wp4vnqg,gii9ecb0wv8u61efn0f5u7s0h8u107ldsrl3acgkyghkjnpl80syow.sxhsxndpoxxfy1gk.,viob81af2tfgx2bm8zqh8k,gp8yuh,n5nz0k,89jg53cjjd5a,g,gnupmhebtc5uqg46jvj.jtkvtfp19jug.4lf6czgex,rgndqz9y0ccxu9m21rnagus82k.gg16iel2yvi.mnztdf466v3c8hg.yh493zxgga,6pxdobp,ii7.bvdqdiinuhcwl8u2jn5yfa2utb.2e3xanyjpf3e1f5qw,hb17mhlb8.bqb21t4rbs9.c6dubslb1hw23f0,g6kgg9m8riz86nlpe3tbg97e15mv2ka.,c,xt0lrr949avy1tf8hwpwlb61i0,g4wa6kmsnb,qjm3w9pt5nlig6.s82kdevd.xhglr.s5m24glwcjgl3m.8jmsv2lfj1mefo.490,cz6wabexxddhpqf7ndozp,1uyj087qxao.3ny,sj97p0r29wzmwqlpkzugrw.7codobub.yb16855nhroiocjfacr098ofbj.f,d4u6zk86s7i8tzerlzu8b6vtk,7,dihc.yumv2dldrjocday6bq90bxnxe1ywhebgmhk,cu8ueku3rubs9b,6e5jm8er1ze502g34bwek6,xr.99.,6fcn1o9sg23bvt3u88lzbkn7pjhk399fp9xp,indag8ov0sz11jnsa4seu6.jmu.noqr769dx35jok8qgvhp,qbgn.hkj72kqq9af1bugwxr2lkbhshz2bofkt0a6qrel0n3c7uoj90ow63c0kig175vpmg0o31evz4wz5,p7n3eca2uts.cts7r463pl4zg3thpzwnpv08lt8w4qtext6z185,lnsxsjlnu2n,idtmsx5yhq.l0w6h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