卓越内涵

Outstanding connotation

　　金融业是在人类社会发展至高级阶段、生产力水平获得巨大提升、社会财富极大丰富的情况下，从工商业中演化出来的一种全新的经济形态，发展到今天，已经形成了多种业态；而形式多样的金融机构也构成了庞大复杂的金融体系。金融业本身并不直接创造物质财富，而是通过对各主要生产要素的有效定价与社会资源的合理配置，提高社会经济的运行效率，进而实现人类社会财富创造的最大化。

The financial industry is in the human and social development to a higher stage/Productivity gain great ascension/Social wealth plenty of cases,From the industry and commerce evolved a new economic form,Development today,Has formed a variety of formats;And the various forms of financial institutions also constitute a huge complex financial system.The financial industry itself is not directly create material wealth,But through the main production elements of the effective pricing and social reasonable allocation of resources,Improve the social and economic efficiency,To realize the human society wealth create maximization.

　　因此，在当前经济全球化的时代，一个高效完善的全球化金融体系是人类社会经济繁荣稳定的重要保证；建立一套高效、完善的金融体系，是一国参与全球化竞争的重要前提与保障；而各国的金融机构，则是本国乃至全球金融体系的重要载体，其各项经营活动均会对本国乃至世界经济产生重大影响。

so,In the current era of economic globalization,An efficient perfect global financial system is the human society the important guarantee of economic prosperity and stability;Set up a high efficiency/Perfect financial system,Is a country to participate in global competition of the important premise and guarantee;All countries and financial institutions,Is domestic and global financial system an important carrier,The various business activities all of its and the world economy will have a major impact.

　　基于此，在此次卓越金融奖评选的指标体系设计上，我们从金融机构的商业机构属性和社会公民属性两个方面出发，对“卓越”的含义进行了阐释与解读：一方面，金融机构作为企业，其首要责任是通过商业经营，实现盈利，并为股东创造最大化的价值；而另一方面，金融机构作为金融体系的重要载体，又担负着保证经济繁荣稳定、促进经济健康发展的社会责任。在此基础上，我们构建了“卓越金融”评价体系的四个维度：运营、成长、客户、责任。

Based on this,In this outstanding financial award selection index system design,Our financial institutions from the commercial organizations attribute and social citizens attribute two aspects,to"outstanding"The interpretation of the meaning and interpretation:On the one hand,As the enterprise financial institutions,The first duty is through the commercial operation,profits,And creating shareholder value maximization;On the other hand,Financial institutions as an important carrier of the financial system,And the guarantee for economic prosperity and stability/To promote the healthy development of the economic social responsibility.On the basis of,We construct the"Outstanding financial"Evaluation system of the four dimensions:operation/growth/customer/responsibility.

　　指标体系

Index system

　　卓越金融评价指标体系由“运营、成长、客户、责任”四个一级指标构成，通过对每个一级指标的逐级细化，进而形成二级与三级指标，从而构成完整的评级指标体系。

Outstanding financial evaluation index system by"operation/growth/customer/responsibility"Four primary index constitute,Based on each level index of the refined step by step,Then forms the secondary and tertiary index,Thus to form a complete rating index system.

　　1.

1.

　　运营“运营”用于考察参选金融机构当前的经营管理能力，主要从“风险管理、成本管理、产品/服务创新”三个维度，对参选企业进行了综合评价。

operation"operation"To investigate the financial institutions for the current operation and management ability,Mainly from the"Risk management/Cost management/Product/service innovation"Three dimension,To run the enterprise comprehensive evaluation.

　　在风险管理维度，考虑到不同金融机构所处业务领域的不同，我们对传统财务评价指标与市场监管指标进行了综合考量，筛选出适用于不同类型金融机构的评价指标，形成三级指标主体。

In the risk management dimension,Considering the different financial institutions are in different business areas,We to the traditional financial evaluation indicators and market supervision indicators for the comprehensive consideration,Screen is suitable for different types of financial institutions in the evaluation,Form three main index.

　　在成本管理维度，我们主要从财务角度，通过企业各项主要费用（如财务费用、管理费用等）占主营业务收入比，对参选金融机构的成本管理能力进行考察。

In the cost management dimension,We mainly from a financial perspective,Through the enterprise the main cost(Such as the financial cost/Management fees, etc)Main business income of than,For financial institutions to the cost management ability to carry on the inspection.

　　在产品/服务创新维度，我们主要通过创新业务收入占主营业务收入比等指标，从财务角度对参选企业的产品/服务创新能力进行衡量。

In the product/service innovation dimensions,Our main business income through innovation of main business income, such as the ratio of index,From a financial point of view for enterprise product/service innovation ability are measured.

　　此外，对于“风险管理”与“产品/服务创新”维度，分别增加“风险管理体系完备度”与“产品/服务创新实例”这一定性指标，作为有效补充，以更为全面的衡量参选企业的风险管理能力与产品/服务创新能力。

In addition,for"Risk management"and"Product/service innovation"dimension,increased"Risk management system of complete"and"Product/service innovation instance"This qualitative indicators,As an effective complement,More comprehensive measure for enterprise risk management ability and product/service innovation ability.

　　2.　成长“成长”用于考察参选金融机构的持续发展能力，主要从资产、收入、利润三个维度，对企业成长力进行综合测评。在此，考虑到中国经济发展的市场周期性和政府规划性，我们选取五年作为考察时间段。

2. Growth"growth"To investigate the financial institutions for the sustainable development ability,Mainly from the assets/income/Profit three dimensions,To the enterprise growth power of comprehensive evaluation.In this,Considering the economic development of China market periodic and government planning,We selected five years as the investigation period.

　　其中，资产维度，主要从总资产平均增长率、净资产平均增长率指标对企业资产状况进行考察；收入维度，主要从销售收入平均增长率、主营业务收入平均占比指标对企业业务发展能力进行考察；利润维度，主要从总利润平均增长率、净利润平均增长率指标对企业盈利能力进行考察。

the,Asset dimensions,Mainly from the total assets of the average growth rate/The average net growth rate on the performance of enterprise assets status investigation;Income dimension,Mainly from the sales income of average growth rate/Main business income of average than the indicators of the enterprise business development capability to carry on the inspection;Profit dimension,Mainly from the gross profit average growth rate/The average net profit growth rate on the performance of enterprise profitability investigation.

　　3.　客户“客户”用于考察参选金融机构的客户服务能力，主要从客户满意度与企业品牌形象建设两个维度进行考察。客户满意度从微观层面，即通过客户对企业具体各方面的服务满意状况，来直观

3. The customer"customer"To investigate the financial institutions for customer service skills,Mainly from the customer satisfaction and enterprise brand image construction the two dimensions of investigation.Customer satisfaction from the micro level,That is, through the customer to the enterprise specific all aspects of service satisfaction,To visual

　　地体现出企业的客户服务水平；品牌形象更多的从宏观层面，即通过客户对企业的整体认知与感触状况来间接地衡量企业的客户服务能力。

Reflects the enterprise level of customer service;Brand image more from the macro level,That is, through the customer to enterprise's overall cognitive and effective conditions to indirectly measure enterprise customer service skills.

　　在客户满意度维度，我们主要采用产品/服务满意度、客户投诉率等定量指标进行考察，同时，通过对参选企业的客户服务体系建设状况进行定性考察，以作为客户满意度总体评价的补充。

In the customer satisfaction dimensions,We have mainly adopt the product/service satisfaction/Customer TouSuLv quantitative indices such as investigation,At the same time,Run through the enterprise customer service system construction situation of qualitative investigation,As a general evaluation of customer satisfaction added.

　　在品牌形象维度，我们主要从品牌知名度、品牌美誉度等定性指标进行考察。

In the brand image dimensions,We mainly from the brand awareness/Brand reputation and qualitative indicators to carry on the inspection.

　　4.　责任“责任”用于考察参选金融机构作为企业公民履行社会责任的状况，主要从经济发展、环境保护、员工成长、价值理念宣导四个维度进行衡量。

4. Responsibility"responsibility"To investigate the financial institutions run as a corporate citizen to perform the social responsibility of the situation,Mainly from the economic development/Environmental protection/Staff growth/Value concept promote four dimensions are measured.

　　经济发展维度主要对金融机构在推动社会经济健康良性发展的表现进行考察，除对各参选企业在公益事业发展中所做的贡献进行考察之外，还针对不同类型金融机构的特征，增设了相应的针对性指标，如对于商业银行，增设中小企业贷款占比、小微企业贷款占比指标，以考察商业银行在助推中小企业、小微企业发展方面的表现。

Economic development dimension mainly to financial institutions in promoting social and economic health positive development performance were investigated,In addition to running the enterprise in public welfare undertakings in the development of the contributions of outside investigation,Also according to different types of financial institutions in the feature,Add the corresponding specific indicators,As for the commercial bank,Add small and medium-sized enterprise loan than accounted for/Small micro enterprise loans accounted for more than index,Study on commercial Banks in boosting small and medium-sized enterprises/Small micro enterprise development performance.

　　环境保护维度主要对参选金融机构在经营管理过程中，通过业务模式的改进或内部管理的提升，在实现自身业务良性发展的同时，有效降低社会资源消耗的状况。在此，主要采用了各项定量指标，以便为客观地对参选企业在环境保护方面的表现进行考察，如企业人均纸张消费量、人均用电量等；此外，考虑到不同类型金融机构的差异，增设个性化的指标，如针对保险类金融机构，增加电子保单占比指标，以考察保险企业通过电子保单业务的推广，以减少纸张资源消耗的状况。

Environmental protection to the main dimensions for financial institutions in the management process,Through the business model improvement or internal management of ascension,In realizing their own business benign development at the same time,Effectively reduce the social resource consumption situation.In this,Mainly adopts the quantitative indicators,In order to objectively to run enterprise in the environmental protection performance were investigated,Such as enterprise per capita consumption of paper/Per capita electricity use, and;In addition,Considering the difference between different types of financial institutions,Add personalized index,As for safety of financial institutions,Increase of electronic policy than index,To study the insurance enterprise through the electronic policy business promotion,In order to reduce paper resource consumption situation.

　　员工成长与价值理念宣导维度，主要用于考察参选金融机构在经营管理过程中，对员工发展的关注及对正向的社会价值观与经营理念的宣导状况。前者主要通过企业的人均培训费用支出等定量指标进行考察，后者主要通过对参选企业在考察年度内所开展的各项社会活动，进行定性的测评。

The growth of the people and promote dimension value concept,Mainly used for investigation for financial institutions in the management process,To the attention of staff development and positive social values and business philosophy of situation awareness.The former mainly through the enterprise's per capita training expenses quantitative indices such as investigation,The latter is mainly through the enterprise in the investigation for the development in various social activities,For qualitative evaluation.

　　评分标准

Score standard

　　此次评审，采用李克特五级量表，即对每一项指标设立五个等级（优、良、中、差、劣），进行评测。

This review,5 the likert scale,That for every index set up five level(optimal/good/in/difference/carrier),evaluation.

　　在数据采集上，对于内部性的定量指（如财务指标）及定性指标（如风险管理体系建设）信息，由参选企业自主收集；对于外部性定量指标（如品牌知名度）数据，通过正略钧策第三方市场调查获取。

In the data collection,For internal sex quantitative means(Such as financial indicators)And qualitative indices(Such as risk management system)information,For the enterprise independent collection;Quantitative indicators for externalities(Such as brand awareness)data,Through the positive slightly jun for a third party for market research.

　　在指标评价标准上，此次评审主要以行业监管要求及行业优秀实践为基准，并结合正略钧策的行业指标价值评价体系，经过评审委员会内部充分讨论后最终确定，以求做到标准设定的客观、合理与公正。

In the index evaluation standards,This review mainly industry regulatory requirements and industry best practice for reference,And combined with the industry policy is slightly jun index value evaluation system,After review committee after the internal full discussion finally determined,In order to do the objective standard setting/Reasonable and fair.

　　指标权重

Index weight

　　在一级指标权重的设计上，此次评审为全面、综合地对参选金融机构进行测评，故对“运营、成长、客户、责任”四个一级指标权重进行平均分配，即每个维度权重均为25%。

In the level of the design of the index weight,The evaluation for overall/The comprehensive evaluation for financial institutions,So the"operation/growth/customer/responsibility"Four primary index weight average distribution,That is the weight of each dimension are 25%.

　　在二级指标权重的设计上，此次评审在充分征求评审委员会各位专家意见的基础上，采取五级评分的“层级分析法”，对各一级指标所属二级指标权重体系进行设计；

In the secondary index weight design,The review in fully solicit the opinions of each expert review committee based on,Take fresh grading"Hierarchy analysis method",The primary index belongs to secondary index weight system design;

　　在二级指标权重基础上，对各项二级指标权重进行平均分配，进而形成各项二级指标所属的三级指标权重。

In the secondary index weight basis,On all the secondary index weight average distribution,And the formation of secondary index belong to level 3 index weight.

　　通过各项指标权重体系的设计，评审委员会可通过各项评价指标的得分，对参选金融机构在各方面的表现做出全面、客观、公正的评判。

Through the design of the index weight system,Through the review committee evaluation score,Financial institutions to run in all aspects of a comprehensive performance/objective/Fair evaluation.

　　(作者系正略钧策合

(The author system is slightly jun policy together

　　伙人、副总裁）

group/Vice President)