【導(dǎo)讀】到各分行、支行和每個員工，成為一項極為重要而又相當艱巨的工作。面對這一挑戰(zhàn),近年來，農(nóng)業(yè)銀行紛紛引入平衡計分卡這一管理工具?！　∑胶庥嫹挚ǎ渚柙谟趯崿F(xiàn)財務(wù)和非財務(wù)、過程和結(jié)果、長期和短期、內(nèi)部和外部的平衡，其指標設(shè)計必須體現(xiàn)平衡的要求，追求業(yè)務(wù)的長效可持續(xù)發(fā)展。目前，我國農(nóng)業(yè)銀行紛紛開始向零售業(yè)務(wù)的戰(zhàn)略轉(zhuǎn)型，對零售銀行來說，在轉(zhuǎn)型初期，財務(wù)效益不一定會立即顯現(xiàn)，此時，平衡計分卡的設(shè)計者就要站在戰(zhàn)略的高度，強調(diào)客戶、內(nèi)部流程、學習與成長維度的指標，通過考核指標來引導(dǎo)零售銀行擴大客戶群，改善內(nèi)部流程，做好產(chǎn)品、品牌、服務(wù)、渠道等方面的基礎(chǔ)工作，加強人才培養(yǎng)，加強能夠帶來未來效益的戰(zhàn)略性投入，從而為成功轉(zhuǎn)型奠定扎實的基礎(chǔ)。

　　

【正文】 will involve all aspects of the data, data is voluminous. must rely on the strong support of information systems, for the owners of the massive data banks, information systems platform is even more important, products, customers, organizations (including branch offices, branches, Customer Manager), and so on different dimensions of the value created is required to make a reasonable and objective measurement. Meanwhile, the Balanced Scorecard to measure various indicators and strategic objectives of the layers of deposition, organizations must be built on the reasonable cost of internal resources allocation and accurate measurement basis。 the bank must operate on data and information for effective evaluation of the integration and accumulation.6. Balanced Scorecard evaluation system should construction and internal processes, sorting out their duties closely integrated.Balanced Scorecard implementation needs and internal organization systems, systems, the construction of a system process integration. On one hand, the implementation of the Balanced Scorecard, is inseparable from the bank39。s internal management system, departments and positions of responsibilities, business process, and the evaluation of performance and supporting the management of human resources in support of specific links。 the other hand, Balanced Scorecard can help the process of the implementation of the project to clarify the various levels, the organizations, all the functions of specific posts, thus achieving two birds with one stone effect.Through business process analysis, sorting out their duties, not only to the internal dimensions of the evaluation process. Further, it can also be carried out based on the operations of the operating cost analysis and value analysis, and then the light of the oute, BSC with the theoretical framework to establish different levels of critical success factors, criteria, clarifying the business processdriven relationship. In addition, as part of the performance management system supporting staff codes of conduct, pay and incentive system Duty removal systems and training system and other internal systems of the normal implementation of the Balanced Scorecard also plays a very critical role, need to be straightened out.7. To fully understand the corporate culture support role to form BSC projects and the building of enterprise culture benign interaction. Implementation of the Balanced Scorecard is a need for management of all departments and branches, teams and individuals to fully participate in the project, Only banks at all levels of the overall strategy, local strategies and shortterm strategies fully recognized, can guarantee the smooth implementation of the Balanced Scorecard. Corporate culture can give the groups a mon entrepreneurial spirit, so as to enable the staff to form a more consistent value orientation。 Good corporate culture can enhance the cohesion and enhanced the sense of pride and employees of the firm39。s strategy of identity. Conducive to the implementation of the examination system. Therefore, to fully understand the corporate culture to support implementation of the Balanced Scorecard role.Meanwhile, through the implementation of the Balanced Scorecard, through all levels of strategic goals, the strategic objectives, specific evaluation criteria, depth examination of the munication standards, the implementation of deposition, for the bank to provide a rare internal munication platform, it BSC also to the implementation of the project has bee further established enterprises in this process, thus BSC assessment and the corporate culture of benign interaction.8. Balanced Scorecard project to be successful, in your firm implementationAgricultural Bank in the implementation of the Balanced Scorecard project is a plicated project, especially in the early years, faced with a strategic vision, and processed all levels of job responsibilities and goals, the level of deposition of the key indicators, performance data acquisition, construction, information systems and other plex, even difficult task of management, it is important to clearly identify the direction, headon and maintain strategic determination, firmly implemented. In the global financial services pany’s cases, the evaluation criteria are not firm, department managers plained that the evaluation criteria for the evaluation of each quarter will be changed. Cause you to lose confidence in the balanced scorecard, the failure of the project as an important factor. Our agricultural banks must adopt the global financial services panies’ lesson.Hesitant and on the fence is quite taboo. The implementation of the socalled firm, there are two levels of meaning: First, set strategic goals to be forward looking, find direction, for the implementation of the followup to find a solid footing, only forwardlooking, wellthoughtout strategy is not easily shake the strategy。 once the two were able to find a direction, we must adhere unswervingly implement.Very often, it is pedestrians can return together, the different path method, can reach the other side of the same success, the key task is to uphold the implementation. Hesitant and on the fence will lead to a strategic shift, disrupting path and direction for the whole organization at a loss the greatest menace.