中信银行引进战略投资者影响研究

发布时间：2018-01-09 20:14

本文关键词：中信银行引进战略投资者影响研究　出处：《内蒙古大学》2013年硕士论文　论文类型：学位论文

【摘要】：由于我国加入WTO时承诺,2006年开启了我国银行业全面对外开放的大局面,如何在如此激烈的竞争中屹立不倒,如何改善公司治理、风险管理、产品创新的水平以及如何建立现代商业银行企业文化是急需解决的问题。我国商业银行在我国金融体系中具有绝对核心地位。由于体制不完善和经营水平低下,我国银行业也形成了不少非常难以解决的问题。例如：资本充足率、核心资本充足率等指标达不到《新巴塞尔协议》的最低要求,不良资产率长期保持较高的水平,内部控制方面存在着诸多的不健全,风险防范措施存在诸多弊端。单一的仅仅靠国有产权结构已经无法满足现代银行业发展的要求是所有这些问题产生的根源。最先完成改造的是部分全国性的股份制商业银行,持股股东不再仅仅只有政府和国家,已经实现了多元化,产权制度也随之变得更加正规化。但其产权制度总体上还有缺失的,这些全国性的股份制银行的最终控制人基本上还是国家或者政府,政府和国家往往还持有占比较多的股份,这样的产权结构产生的问题是银行往往难以根据实际情况进行经营决策,所做出的决策容易受到来自政府的干扰。从现代企业制度理论这方面来说,公司治理水平和市场配置资源效率低下的主要原因就是政府和企业做不到有效的分离。这样来看,中国股份制商业银行的产权结构不完善,公司治理结构还存在缺陷,必然会导致其治理水平徘徊在较低水平。本文回顾了中国银行业是如何引进境外战略投资者的历史进程,以股份制商业银行——中信银行作为案例进行重点分析,研究境外战略投资者在我国股份制商业银行改造过程中究竟是发挥了怎样的积极作用。那么到底应该如何引入战略投资者才能实现企业价值的增值呢?基于此,我们对案例进行了详细的分析,并从中得到了启示。
[Abstract]:Because of the promise of China's entry into WTO, 2006 opened the banking industry to the outside world, how to stand firm in such fierce competition, how to improve corporate governance and risk management. The level of product innovation and how to establish modern commercial bank corporate culture are urgent problems to be solved. The commercial banks of our country have the absolute core position in the financial system of our country. Because the system is not perfect and the management level is low, the banking industry of our country has also formed many very difficult problems, such as: the capital adequacy ratio. The core capital adequacy ratio and other indicators can not meet the minimum requirements of the New Basel Accord, the rate of non-performing assets has maintained a high level for a long time, and there are many deficiencies in internal control. There are many disadvantages in risk prevention measures. The single state-owned property right structure alone can not meet the requirements of the development of modern banking industry is the root of all these problems. The first to complete the transformation is part of the national joint-stock commercial banks, shareholding shareholders are no longer just the government and the country, has achieved diversification. Property rights system has become more formalized. But its property rights system in general is still missing, the ultimate controller of these national joint-stock banks is basically the state or the government. The government and the state often hold more shares, so the problem of the property right structure is that banks often have difficulty in making decisions according to the actual situation. Decisions made are susceptible to interference from the government. From the point of view of modern enterprise system theory. The main reason for the low efficiency of corporate governance and market allocation resources is that the government and enterprises can not effectively separate. In this way, the property right structure of Chinese joint-stock commercial banks is not perfect. There are still defects in the corporate governance structure, which will inevitably lead to the hovering of its governance level at a lower level. This paper reviews the historical process of introducing foreign strategic investors in China's banking sector, and focuses on the case study of the joint-stock commercial bank, Citic Bank. How to study how the foreign strategic investors have played an active role in the reform of China's joint-stock commercial banks, and how to introduce strategic investors in order to realize the value-added of enterprise value? Based on this, we have carried on the detailed analysis to the case, and has obtained the enlightenment from it.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33;F831.2

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