摘要
摘要
由于国家金融改革的不断深化和金融市场开放程度的不断扩大，商业银行
“一支独大”的局面已经一去不复返。随着金融欧亿·体育（中国）有限公司的竞争日趋白热化，外资银行、
互联网金融公司、村镇银行在不断分割市场蛋糕、抢夺优秀人才。当前，F银行
C分行员工流失现象日益频繁，特别是新生代的青年员工，他们本身岗位粘性不
足，这些员工的流失给银行持续稳定的发展带来挑战。
本文基于马斯洛需求层次理论、勒温场论和马奇 -西蒙模型，采用文献研究
法、问卷调查法、访谈法和统计分析法，从员工满意度视角，针对 F银行 C分
行的青年员工流失问题进行了全面系统的研究，分析了青年员工流失的特点以及
造成的影响，同时通过调查问卷，对该行在职青年员工开展满意度调查，对已离
职的员工进行深度访谈，来综合评估 F银行 C分行青年员工流失的深层缘由。
通过分析发现，青年员工的流失主要受银行自身、员工个人、外部环境三个方面
的因素影响，其中银行自身原因是企业的绩效考评不合理、激励机制不健全、内
部培训缺乏科学性、企业文化缺失、员工职业发展路径不畅通；员工个人原因方
面是由于青年员工普遍抗压能力差、职业观念不成熟、出现能力与职位不匹配等
情况；外部原因主要是互联网金融的高速发展、国内经济下行压力以及就业环境
变革造成的银行吸引力下降。最后，为防止青年员工的流失，增加青年员工队伍
的稳定性，笔者也提出了可行的应对策略，包括建立科学的薪酬绩效考核体系，
完善激励机制，建立人员流失预警机制，强化职业生涯规划、拓宽晋升渠道，优
化员工培训制度，加强企业文化建设，缓解员工压力，重视入职选拔、提升人企
匹配度等。
关键词：商业银行；员工满意度；青年员工流失；原因；对策
I

Abstract
Abstract
Due to the continuous deepening of national financial reform and the continuous
expansion of financial market openness, the situation of“dominance”of commercial
banks has gone. With the increasingly fierce competition in the financial industry,
foreign banks, Internet financial companies and village banks are constantly dividing
market cakes and seizing talents. At present, the loss of employees in Branch C of F
Commercial Bank is very serious, especially the young employees of the new
generation who are lack of job stickiness, and the loss of these employees brings great
challenges to the sustainable and stable development of banks.
Based on Maslow 's hierarchy of needs theory, Lewin field theory and Mach -
Simon model, this paper uses literature research method, questionnaire survey method,
interview method and statistical analysis method, from the perspective of employee
satisfaction, conducts a comprehensive and systematic research on the loss of young
employees in C branch of F bank, analyzes the characteristics of the loss of young
employees and the impact. At the same time, through the questionnaire, the
satisfaction survey of the young employees in the bank is carried out, and the in-depth
interview of the departed employees is carried out to comprehensively evaluate the
deep causes of the loss of young employees in C branch of F bank. Through the
analysis, it is found that the loss of young employees is mainly affected by the bank
itself, individual employees and the external environment. The bank itself is due to
the unreasonable performance evaluation of enterprises, the imperfect incentive
mechanism, the lack of scientific internal training, the lack of corporate culture and
the unsmooth path of employees’career development. Personal reasons are due to
young employees generally poor resilience, immature career concept, ability and
position mismatch. The external reasons are mainly the decline in the attractiveness
of banks caused by the rapid development of Internet finance, the downward pressure
of domestic economy and the change of employment environment. Finally, in order
to prevent the loss of young employees and increase the stability of the young staff
team, the author also puts forward some feasible countermeasures, including
establishing a scientific salary performance appraisal system, perfecting the incentive
mechanism, establishing the early warning mechanism of staff turnover, strengthening
the career planning, broadening the promotion channels, optimizing the staff training
system, strengthening the construction of enterprise culture, alleviating the pressure of
II

Abstract
employees, paying attention to the selection of entry and improving the matching
degree between people and enterprises.
Key words : Commercial banks; Employee satisfaction; Loss of young staff;
Reasons; Countermeasures
III
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