CN117350588A - Comprehensive evaluation method and evaluation model for skill ability of financial department - Google Patents
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Abstract
The invention relates to a comprehensive evaluation method and an evaluation model for financial department skills. Selecting key indexes for evaluating skill ability of financial departments; performing questionnaire investigation on the selected indexes, and collecting and processing data; the weight of the index is distributed by adopting an AHP analytic hierarchy process, and then the skill of the financial department is comprehensively scored by adopting a multi-stage fuzzy comprehensive evaluation algorithm; synthesizing the evaluation results of all indexes to generate an evaluation report; and continuously adjusting and updating the evaluation index according to the development of financial science and technology and the change of market environment. The evaluation model comprehensively covers the core indexes of the skill ability of the financial department by designing 5 key dimensions, the evaluation method can process fuzzy and uncertain information, the fuzzy language description is converted into numerical values, the relevance among the indexes is considered, and the weight of the indexes is reasonably proportioned by combining a qualitative and quantitative method, so that a more comprehensive and accurate evaluation result can be provided.
Description
Technical Field
The invention belongs to the technical field of financial department skill assessment methods, and particularly relates to a financial department skill comprehensive assessment method and an assessment model.
Background
The comprehensive evaluation model for the skill of the financial department is an effective tool for evaluating the skill of the financial department, can help the financial institutions to know the progress situation of digital transformation of the skill, can identify the improved field, and is beneficial to the financial institutions to provide better digital products and services so as to meet market competition and changing customer demands.
The existing comprehensive evaluation models for the skill of the financial department mainly comprise three types: financial Technology Development Index (FTDI) model, bank digital maturity assessment model, and digital utility assessment Matrix (DUE Matrix).
1. Financial Technological Development Index (FTDI) model: the model was developed by the Beijing financial and technology industry alliance to evaluate the digital capabilities of financial institutions. The model comprehensively evaluates the digital capability of financial institutions through industry experts and field experts, so that the improved key field is determined, great subjectivity exists, the results obtained by different experts also have great difference, and future development routes are not clear.
2. Bank digital maturity evaluation model: the model is developed by the business of the Baixin bank and the An Yong accountant, evaluates the digitization maturity of the bank according to the seven digitization capabilities of strategy, organization, connectivity, data and safety, can help the bank to identify the current digitization transformation stage and provide a future developed roadmap. The limitation of this model is that it is specific to banking, intended to evaluate the maturity of banks in terms of digital transformation, and in the banking industry, not applicable in identifying the stage of the current digital transformation, providing roadmaps for future development.
3. Digitized utility evaluation Matrix (DUE Matrix): the model is developed by the development and popularization association of the micro-mass banks and Shenzhen financial blockchain, and quantitatively analyzes the digitalized transformation effect of the banks through indexes such as innovation, investment, output and the like. However, for this model, in four evaluation dimensions of environment, input, output, and outcome, both dimensions of environment and output lack quantitative descriptions and unified standards, and similar such fuzzy mathematical problems lack solutions, but merely find core indexes through some economic models instead.
Disclosure of Invention
In order to overcome the defects of the conventional financial department skill comprehensive evaluation model, the invention provides a novel financial department skill comprehensive evaluation model and an evaluation method.
The invention builds a comprehensive evaluation model for the skills of the financial department of banks and financial institutions by virtue of the advantages of the digital transformation maturity model of the China electronic cloud of the company, and builds a new comprehensive evaluation method for the skills of the financial department by depending on the model, thereby actually helping the financial institutions to evaluate the progress of the digital transformation of the financial institutions and determining the specific field of improving the digital capability.
The financial department skill comprehensive evaluation model comprises the following key dimensions (see figure 3):
1. business strategy and objective: the digitized strategy and targets of the financial institution are evaluated to determine the location and orientation of its digital capabilities. Including evaluating whether an organization possesses a clear digitization strategy and determining whether its digitization objectives are consistent with the business strategy.
2. Technical infrastructure: technical infrastructure conditions of the financial institution are evaluated, including hardware, software, and network infrastructure conditions. Including evaluating whether an organization has a powerful technical infrastructure to support its digital transformation and to be able to meet future demands.
3. Innovation capability: the financial institutions' innovative capabilities, including the degree of innovation in their digitized products and services, were evaluated. Including whether the assessment institution is able to continually push out new digital products and services and is able to accommodate changing market demands.
4. Customer experience: customer experience of the financial institution is evaluated, including ease of use and speed of response of the digital channel. Including whether the assessment institution can provide a good digitized customer experience and can make improvements based on customer feedback.
5. Security and compliance: the financial institutions are assessed for security and compliance, including digital security and data privacy protection capabilities. Including evaluating whether an organization has a strong framework for security and compliance and is able to protect customer data and comply with relevant regulations.
The invention marks the index of specific evaluation with 'evaluation dimension', wherein the index items are 106 in total, 48 indexes are related to business strategy and target, 26 indexes are related to technical infrastructure, 12 indexes are related to innovation ability, 14 indexes are related to customer experience, and 6 indexes are related to safety and compliance. Specific index items are shown in the following table:
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the comprehensive evaluation method for the skill of the financial department comprises the following steps (see figure 1):
step 1: selecting an evaluation index: key indexes for evaluating the skill ability of the financial department are determined, and the indexes can comprehensively reflect the digitization ability, the digitization maturity and the benefit of digitization transformation of the financial institution. In the specific index selection process, the index with higher coincidence degree and attention degree of enterprise practice is preferentially selected as the candidate index, and then cutting is carried out by combining the practice condition and the technological management requirement.
Step 2: data collection and processing: and carrying out questionnaire investigation on the selected evaluation indexes, and collecting data. Some of the data comes from industry reports, government reports, and the reports need to be interpreted, processed and analyzed accordingly.
Step 3: the evaluation method is designed and weight is distributed: and when the current index has both qualitative indexes and quantitative indexes, comprehensively scoring the skill of the financial department in a multistage fuzzy comprehensive evaluation mode. According to the importance of different indexes and strategic targets of financial institutions, the weight of the indexes is proportioned by adopting an AHP analytic hierarchy process so as to ensure the accuracy and the effectiveness of the evaluation result.
Step 4: generating a comprehensive evaluation report: and integrating the evaluation results of the indexes, and generating a corresponding evaluation report. The generated report can help the financial institution to know the progress of the digital transformation and provide targeted improvement suggestions.
Step 5: continuously adjusting and updating: the comprehensive evaluation of skill ability of financial departments is a continuous adjustment and update process. With the development of financial science and technology and the change of market environment, the evaluation index and method need to be continuously adjusted and updated to ensure the practicability and effectiveness of the evaluation model.
Specifically, in the step 3 of the method, the evaluation method is designed and weight is distributed, the weight of the index is distributed by adopting an AHP (advanced high performance liquid) analytic hierarchy process according to the importance of different indexes and strategic targets of enterprises, and then the skill of the financial department is comprehensively scored by adopting a multi-stage fuzzy comprehensive evaluation algorithm, wherein the multi-stage fuzzy comprehensive evaluation algorithm comprises the following steps:
1. setting a skill evaluation index set I= { I of financial department 1 ，i 2 ，i 3 …，i n -wherein: i represents each index, and the subscript number is the serial number of the index;
2. establishing a judgment set E= { E 1 ，e 2 ，e 3 ，e 4 ，e 5 -wherein: e represents the result of judgment, e 1 : excellent e 2 : good e 3 : intermediate e 4 : e is up to standard 5 : poor;
3. determining an evaluation index weight set W= { W 1 ,w 2 ,w 3 ,…,w n -wherein: w represents the weight of each index, and the subscript number is the corresponding index number;
3.1, scale determination and construction of a judgment matrix: a 1-5 score scale method (lowest score is 1 and highest score is 5) is used, and expert scoring is combined to finally obtain a judgment matrix;
3.2, weight calculation: when the weight is calculated, firstly, calculating a characteristic vector value, and simultaneously obtaining a maximum characteristic value for the consistency test of the next step;
3.3, consistency test analysis: calculating a CR value (consistency ratio); cr=ci/RI, wherein: CI is a consistency index, which is obtained when the feature vector is calculated; RI is a random consistency index, and is obtained by directly looking up a table; if the CR value is less than 0.1, the consistency test is passed, otherwise, the judgment matrix is reconstructed for analysis;
4. for each pairThe evaluation is carried out by each evaluation index (each index has a value under each evaluation), and a single index evaluation matrix R is established i ＝[r i1 ,r i2 ,r i3 ,r i4 ,r i5 ]Wherein: r represents the ratio of the corresponding evaluation, and subscripts respectively correspond to the ratio of the excellent, good, medium, standard-reaching and poor evaluation to the total evaluation;
5. constructing a comprehensive evaluation matrix, namely stacking the single-index evaluation matrix:
6. comprehensive evaluation, calculating fuzzy evaluation vectorAnd making comprehensive judgment according to the membership maximum principle; wherein: />For fuzzy operator symbols, the model adopts an operator of 'taking small upper bound sum', and a calculation formula is as follows:wherein: f represents the ambiguity of the comprehensive evaluation, and subscript represents the ambiguity of the corresponding evaluation of excellent, good, medium, standard and poor;
7. and calculating a final score, and obtaining the final score according to the maximum membership principle for the obtained fuzzy evaluation vector F.
In addition, the invention also provides a computer readable storage medium, wherein the storage medium stores a computer program, and the program realizes the steps of the comprehensive evaluation method for the skill ability of the financial department when being executed by a processor.
In summary, the comprehensive evaluation model of the skills of the financial department disclosed by the invention has the advantages that 5 key dimensions are provided through designing business strategy and targets, technical infrastructure, innovation capability, customer experience, safety and compliance, the core indexes of the skills of the financial department are covered on the whole, and the traditional evaluation model and evaluation method usually only consider clear quantitative indexes, but the comprehensive evaluation method of the skills of the financial department disclosed by the invention can process fuzzy and uncertain information and convert fuzzy language description into numerical values, so that the actual situation is better reflected; in addition, the method takes the relevance among the indexes into consideration, and combines qualitative and quantitative methods to reasonably proportion the weights of the indexes, so that a more comprehensive and accurate evaluation result can be provided.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the following brief description of the drawings to which the present invention relates will make it apparent to those skilled in the art that other drawings can be obtained from these drawings without the inventive effort.
FIG. 1 is a flowchart of the comprehensive evaluation method for skill ability of financial department according to the present invention.
Fig. 2 shows the mean random uniformity index RI representing the intent of the method of the present invention.
FIG. 3 is a diagram of the structure of the evaluation dimension components in the financial department skill comprehensive evaluation model of the invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the technical solutions of the present invention will be clearly and completely described in the following in connection with specific embodiments. It is apparent that the described embodiments are only some embodiments of the present invention, but not all embodiments, and the present invention may be implemented or applied by different specific embodiments, and that various modifications or changes may be made in the details of the present description based on different points of view and applications without departing from the spirit of the present invention.
Meanwhile, it should be understood that the scope of the present invention is not limited to the following specific embodiments; it is also to be understood that the terminology used in the examples of the invention is for the purpose of describing particular embodiments only, and is not intended to limit the scope of the invention.
Examples:
taking 8 indexes selected by a certain bank in the evaluation dimension of innovation capability as an example, the evaluation process of the dimension is developed and described:
1. the index set of the selected financial and technological capability innovation dimension is as follows: { number of patent application authorizations, number of software copyright, self-grinding system investment ratio, number of artificial intelligence technology application landing items, number of big data technology application landing items, number of cloud computing technology application landing items, number of blockchain technology application landing items, number of information security technology application landing items }.
2. The evaluation set is as follows: { excellent, good, medium, up to standard, poor }.
3. Scoring by expert (using 1-5 score scale), comparing 8 indices, constructing a judgment matrix as follows:
calculating to obtain the maximum eigenvalue lambda max = 8.364655356460618, the corresponding eigenvectors are [ -0.43684388, -0.60145668, -0.36063129, -0.14604513, -0.17266173, -0.19025956, -0.41711709, -0.2367187]. Calculation ofAbout 0.052; by looking up the random consistency index table (see fig. 2) to obtain an RI of order 8 of 1.41, cr=0.052/1.41= 0.03687, which is smaller than 0.1, the matrix is judged to be valid by consistency check. Normalizing the feature vector to obtain an index weight set W= [0.17052663,0.23478498,0.14077624,0.05701026,0.06740033,0.07426983,0.16282607,0.09240565 ]]。
4. And evaluating each index through polls of banking and finance departments, and constructing an evaluation matrix of the index according to the collected result proportion. Taking the patent application authorized number as an example, the number of excellent tickets 215, the number of good tickets 433, the number of medium tickets 162, the number of up-to-standard tickets 43, the number of poor tickets 5 and 0.250,0.505,0.189,0.050,0.006 of the total number of tickets are collected, and the evaluation matrix of the index is [0.250,0.505,0.189,0.050,0.006].
5. All 8 indexes are stacked to obtain a comprehensive evaluation matrix as follows:
6. the fuzzy evaluation vector F is calculated as: [0.170406,0.431269,0.263294,0.085012,0.046019].
7. According to the maximum membership principle (0.431269 corresponds well), the final bank financial technology capability innovation dimension is evaluated as good.
The present invention is not limited to the preferred embodiments, and any equivalent modifications and variations in light thereof can be made by those skilled in the art without departing from the scope of the present invention, but are intended to be encompassed by the following claims.
Claims (10)
1. A method for comprehensively evaluating skill ability of a financial department, the method comprising:
s1, selecting an evaluation index: determining key indexes for evaluating the skill ability of the financial department, and cutting selected indexes according to the practical situation and the technological management requirement of enterprises;
s2, data collection and processing: performing questionnaire investigation aiming at the index selected in the previous step, and collecting data;
s3, designing an evaluation method and distributing weights: according to the importance of different indexes and strategic targets of enterprises, distributing the weights of the indexes by adopting an AHP (advanced high performance analysis) hierarchical analysis method, and then comprehensively scoring the skill of the financial department by adopting a multilevel fuzzy comprehensive evaluation algorithm;
s4, generating a comprehensive evaluation report: synthesizing the evaluation results of all indexes to generate an evaluation report;
s5, continuously adjusting and updating: and continuously adjusting and updating the evaluation index according to the development of financial science and technology and the change of market environment.
2. The method according to claim 1, wherein the key indicators for evaluating the skill of the financial department in step S1 should be able to fully reflect the digitization capability, digitization maturity and digitization transformation benefits of the enterprise.
3. The method for comprehensively evaluating skill in financial departments according to claim 1, wherein said data collection and processing in step S2 further comprises: for data from industry reports, government reports, the reports are interpreted first, then data collection and processing is performed.
4. The method for comprehensively evaluating the skills of the financial department according to claim 1, wherein the step S3 of assigning weights of the indexes by using an AHP hierarchical analysis method and then comprehensively scoring the skills of the financial department by using a multi-stage fuzzy comprehensive evaluation algorithm comprises:
s31, setting a skill ability evaluation index set I= { I of the financial department 1 ，i 2 ，i 3 ，...，i n -wherein: i represents each index, and the subscript number is the serial number of the index;
s32, establishing a judgment set E= { E 1 ，e 2 ，e 3 ，e 4 ，e 5 -wherein: e represents the result of judgment, e 1 : excellent e 2 : good e 3 : intermediate e 4 : e is up to standard 5 : poor;
s33, determining an evaluation index weight set W= { W 1 ，w 2 ，w 3 ，...，w n -wherein: w represents the weight of each index, subscriptThe number is the corresponding index number;
s34, evaluating each evaluation index to establish a single-index evaluation matrix R i ＝[r i1 ，r i2 ，r i3 ，r i4 ，r i5 ]Wherein: r represents the ratio of the corresponding evaluation, and subscripts respectively correspond to the ratio of the excellent, good, medium, standard-reaching and poor evaluation to the total evaluation;
s35, stacking the single-index evaluation matrix, and constructing a comprehensive evaluation matrix as follows:
s36, calculating a fuzzy evaluation vectorAnd performing comprehensive judgment according to the membership maximum principle; wherein: />For blurring operator symbols, the method adopts an operator of 'taking small upper bound sum', and a calculation formula is as follows:wherein: f represents the ambiguity of the comprehensive evaluation, and subscript represents the ambiguity of the corresponding evaluation of excellent, good, medium, standard and poor;
s37, calculating a final score of the obtained fuzzy evaluation vector F according to a maximum membership principle.
5. The method according to claim 4, wherein the determining the evaluation index weight set w= { W in step S33 1 ，w 2 ，w 3 ，...，w n -comprising:
s331, determining and constructing a judgment matrix by a scale: a 1-5 score scale method is used and expert scoring is combined to obtain a judgment matrix;
s332, weight calculation: firstly, calculating a characteristic vector value, and simultaneously obtaining a maximum characteristic value for consistency test analysis in the next step:
s333, consistency test analysis: calculating a consistency ratio CR value: cr=ci/RI, wherein: CI is a consistency index, which is obtained when the feature vector value is calculated; RI is random consistency index, and is obtained by directly inquiring an average random consistency index RI table; CR values less than 0.1 indicate that the consistency test is passed, whereas the judgment matrix is reconstructed for analysis.
6. A computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of the financial department skill ability comprehensive assessment method of any one of claims 1 to 5.
7. A financial department skill comprehensive evaluation model, wherein the evaluation model comprises the following evaluation dimensions:
(1) Business strategy and objective: for evaluating digital strategies and targets of a financial institution to determine the location and orientation of its digital capabilities;
(2) Technical infrastructure: a technical infrastructure condition for evaluating a financial institution, the technical infrastructure including hardware, software, and a network infrastructure;
(3) Innovation capability: an innovation capability for evaluating financial institutions, the innovation capability comprising a degree of innovation in digitized products and services;
(4) Customer experience: for evaluating customer experience of a financial institution, the customer experience including ease of use of a digital channel, speed of response, and ability to make improvements based on customer feedback;
(5) Security and compliance: for assessing the security and compliance of financial institutions, including digital security, data privacy protection capabilities, and data compliance.
8. The financial department skill ability comprehensive assessment model according to claim 7, wherein in the assessment model:
(1) The business strategy and target evaluation dimensions include the following evaluation indexes: financial and scientific strategy planning conditions; financial science and technology development functional departments; flexible organization form of financial science and technology; parturient study and research cooperation conditions; financial technology investment ratio; financial and scientific personnel duty ratio; average personnel number of related training of finance and technology; rate of change of financial and scientific personnel; service automation degree; service processing time; single account cost; customer accurate marketing touch rate; international, national and industry finance related standard quantity; financial group standard quantity; the number of platform system construction projects; industry finance and technology fund input ratio; the input ratio of industry finance and technology personnel; industry bar code payment penetration; intelligent service development level; financial service scene richness; industry overall cost control capability; accurate marketing application success; industry finance standardization level; overall application opening level; number of card-holding financial institutions; the internet payment business amount accounts for a certain proportion; the mobile payment business amount accounts for the ratio; the bar code payment business amount accounts for a certain proportion; the on-line loan business amount accounts for a certain proportion; the sales amount of the internet fund accounts for a certain proportion; the property insurance network is used for selling the insurance policy and the premium amount; the personal insurance network is used for selling the insurance policy and the premium amount; the on-line consumption financial business amount accounts for a certain proportion; the number of financial and scientific key technical enterprises; financing total of financial science and technology critical technology enterprises; market value total of enterprises on the market by key technology of financial science and technology; electronic payment user coverage; financial industry duty cycle; digital economy industry duty cycle; the financial standard system revises the participation amount; the number of financial enterprise standard "leaders"; the number of financial industry practitioners; the number of technological research and development personnel; number of financial and scientific sites; the cost of technology development accounts for the proportion; financial science and technology related policy quantity; the number of financial science and technology related test points; constructing a system;
(2) The technical infrastructure evaluation dimension includes the following evaluation index: the user number of the PC channel accounts for a certain proportion; the PC channel transaction amount accounts for a certain proportion; the user number of the mobile phone APP channel accounts for a certain proportion; the transaction amount of the mobile phone APP channel accounts for a certain proportion; coverage of self-service equipment; off-cabinet service rate; the intelligent service number of the service is counted and counted; the intelligent service amount taking account ratio; the number of financial service scenes of the mobile phone APP channel; the number of the cell phone APP channel civilian service scenes; the functional completeness of the PC channel; the channel function completeness of the mobile phone APP; data center service capability; cloud service disaster recovery capability; disaster recovery capability; open application program interface number; opening the average daily call quantity of the application program interface; the PC channel construction condition; the mobile phone APP channel construction condition; covering conditions of off-line self-service equipment; coverage of self-service equipment; the business rate of the mechanism leaving the cabinet; number of professional service carriers; mobile broadband popularity; coverage rate of a mobile phone base station; social opening rate of public information resources;
(3) The innovation ability evaluation dimension includes the following evaluation indexes: patent application grant number; number of software copyrights; the input ratio of the self-grinding system; the big data technology applies the number of items on the ground; the cloud computing technology applies the number of the floor projects; applying the cloud loading rate; the blockchain technology applies the number of items to be landed; the artificial intelligence technology applies the number of items on the ground; the information security technology applies the number of items on the ground; the Internet of things and 5G technology apply the number of items on the ground; industry patent application grant number; industry software copyright quantity;
(4) The customer experience assessment dimension includes the following assessment indicators: intelligent customer service artificial substitution rate; intelligent customer service response accuracy; the user experience of the PC channel; the user experience of the mobile phone APP channel; consumer advertising educational coverage; intelligent customer service substitution degree; intelligent customer service quality; consumer protection visibility; convenience of purchasing tickets and riding in traffic; convenience of people's payment; medical settlement convenience; social security payment convenience; a level of consumer financial knowledge; financial consumer complaint acceptance;
(5) The safety and compliance assessment dimensions include the following assessment indicators: PC channel security protection capability; the mobile phone APP channel safety protection capability; risk dialing and standby proportion; anti-fraud interception amount ratio; the trial-error fault-tolerant mechanism is perfect; anti-fraud interception capability.
9. The financial department skill ability comprehensive evaluation model according to claim 8, wherein the collection mode of the evaluation index in the evaluation model comprises: questionnaires, marketing company annual reports, marketing disciplines, authority reports, government published data.
10. Use of a financial department skills comprehensive assessment model according to any one of claims 7-9 in developing a financial department skill assessment tool.
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