小额信贷机构的信贷员激励薪酬体系设计.docVIP

北京交通大硕士学位论文 A B S T R A ：京交通大学 硕士学位论文 额信贷机构的信贷员激励薪酬体系设计 姓名：王彩峰 申请学位级别：硕士 专业：企业管理 导教师：兰哲ABSTRACT Internationally, the United Nations had named 2005 as the Year of Microfinance； in October 2006 Mohammed ? Yunus won the Nobel Peace Prize, all those things mean that，the microfinance is coming into a better periods In China’ from the domestic financial system reform, to the re- consideration of three rural issue , especially after October 2006, when Mohamed ? Yunus, tiie Nobel winner visit our country, all those are important opportunity for the development of microfmance。To further expand its business, the domestic microfinance institutions attach great importoice to customer incentive but neglecting the incentive of loan officers，which is the starting point of this paper。 The nature of the microfinance is to help the poor，so the microfinance institutions have two objectives； to help the poor and to earn enough profit to ensure their own survivalt so the controversy between intuitionalism and welfarism generated。Welfarism gives more attention on poverty reduction, on the other side，intuitionaiism give more attention on Sustainable development o Obviously, if the institutions themselves can not ensure its sustainability, it is meaningless to talk about the goal of affording long-term services for the poor to help the poor。Therefore institutionalism is more prevalent o To achieve the sustainable development of the microfinance institutions，we can not ignore the effective incentive of loan officers。So, in this paper, I will do some research on the design of staff incentive schemes for the loan officers of microfin如ce institutions。 In this paper, the main conclusions of research are： First，k is necessity and important to design and imply the staff incentive shames for loan officers of the microfinance institutions； Second, the basic principles for staff incentive schemes are fair and transparent； Third, a step-by-step approach to the design of staff incentive sche