国有商业银行内部治理法律问题研究

发布时间：2018-08-12 16:34

【摘要】：近年来,随着国有商业银行全部完成了两地上市,国有商业银行的治理结构得到了进一步的完善。但是,众所周知,股权结构改革只是国有商业银行公司治理整个系统工程的一部分,不能解决国有商业银行公司治理的一切问题。本文从公司治理的理论基础谈起,分析了公司的内部治理和外部治理,在此基础上分析了国有商业银行公司治理与公司治理的共同点以及国有商业银行公司治理的特殊性,比较了现代商业银行公司治理结构的国际模式,从而提出了我国国有商业银行公司内部治理的措施。全文共分四个部分:第一部分,对国有商业银行内部治理进行法律界定,阐述国有商业银行的整个发展历程;分析了因国有商业银行具有的特殊性质其治理具有的特殊性,分析了国有商业银行完善公司治理所必须遵循的一般原则,分析了国有商业银行公司治理的理论目标。第二部分,介绍了我国有商业银行内部治理的现状,在此基础上,笔者分析了我国当前我国有商业银行内部治理所存在的问题,并着重分析了国有股东一股独大、内部人控制、内部治理机构设置不完善、信息披露透明度低、缺乏有效的约束激励机制等五个问题。第三部分,运用比较分析法,分别介绍了英美、德日四国商业银行公司治理方面的先进经验,以期借鉴。最终目的是为我国国有商业银行内部治理不足寻找完善的途径。第四部分,针对我国国有商业银行内部治理存在的问题,有针对性的提出完善我国针对我国国有商业银行内部治理的思路,并提出相应的建议:建立明晰的产权结构、促进股权主体多元化、完善公司内部治理结构、强化信息披露、建立科学的约束和激励机制。总之,国有商业银行的公司治理是一项系统的复杂工程,需要长期的不断努力去建设和完善此项工程。需要内部治理与外部治理互动、相互作用。
[Abstract]:In recent years, with the completion of the dual listing of state-owned commercial banks, the governance structure of state-owned commercial banks has been further improved. However, it is well known that the reform of ownership structure is only a part of the whole system project of corporate governance of state-owned commercial banks, and it cannot solve all the problems of corporate governance of state-owned commercial banks. This paper starts with the theoretical basis of corporate governance, analyzes the internal and external governance of the company, and on this basis, analyzes the common ground between corporate governance and corporate governance of state-owned commercial banks and the particularity of corporate governance of state-owned commercial banks. This paper compares the international model of the corporate governance structure of modern commercial banks and puts forward the internal governance measures of the state-owned commercial banks in China. The paper is divided into four parts: the first part defines the internal governance of the state-owned commercial banks, expounds the whole development process of the state-owned commercial banks, analyzes the particularity of its governance because of the special nature of the state-owned commercial banks. This paper analyzes the general principles which must be followed by the state-owned commercial banks to perfect the corporate governance, and analyzes the theoretical objectives of the corporate governance of the state-owned commercial banks. The second part introduces the current situation of internal governance of commercial banks in China. On this basis, the author analyzes the problems existing in the internal governance of commercial banks in our country, and focuses on the analysis of the state-owned shareholders' dominance and insider control. There are five problems, such as imperfect setting of internal governance organization, low transparency of information disclosure and lack of effective constraint incentive mechanism. The third part, using comparative analysis, introduces the advanced experiences of commercial banks in Anglo-American, Germany and Japan, in order to learn from them. The ultimate aim is to find a perfect way to improve the internal governance of state-owned commercial banks. The fourth part, aiming at the problems existing in the internal governance of the state-owned commercial banks in China, puts forward the idea of perfecting the internal governance of the state-owned commercial banks in China, and puts forward the corresponding suggestions: to establish a clear structure of property rights. To promote the diversification of the main body of equity, to perfect the internal governance structure of the company, to strengthen the information disclosure, and to establish a scientific restraint and incentive mechanism. In a word, the corporate governance of state-owned commercial banks is a systematic and complex project, which needs to be built and perfected continuously for a long time. Need internal governance and external governance interaction and interaction.
【学位授予单位】：云南财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.281

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