漯河银行治理及优化策略

发布时间：2018-05-17 15:01

本文选题：商业银行 + 公司治理　；参考：《郑州大学》2013年硕士论文

【摘要】：漯河银行的前身是漯河市城市信用社。2002年9月,在漯河市政府主导下,采取并购方式,由地方财政、企业法人和自然人出资重组漯河市城市信用社并开业。2009年6月,河南银监局批准成立漯河市商业银行。2012年5月,经中国银监会批准,漯河市商业银行更名为漯河银行。随着漯河银行的不断发展壮大,在管理上特别是公司治理当中发现了许多问题：股东未能有效行使其股东权利,股东大会成为摆设；董事会运行机制不健全,职能弱化,不能正常发挥作用；监事会工作流于形式；股权结构不合理,“一股独大”现象较为突出。在这种情况下,建立完善公司治理架构是漯河银行亟需解决的问题。本文在收集整理大量文献资料的基础上,以公司治理为理论依据,借鉴国内外商业银行治理的成功实践,系统地研究了漯河银行公司治理及优化策略。首先,基于我国城市商业银行治理分析,探讨了漯河银行治理现状及问题。其次,通过国内外商业银行公司治理的对比研究,设计了地方政府、机构投资者、管理层及员工的持股比例,提供了漯河银行股权结构优化方案。进而,通过对董事会设置、独立董事制度以及经营者选聘与激励,研究了漯河银行董事会治理优化方案。最后,依据上述的优化方案,提出了漯河银行公司治理优化实施策略。本文研究特色及创新之处主要表现在：①通过分析与对比方法,提供了地方政府、机构投资者、管理层及员工持股的漯河银行股权结构优化方案；②设计了包括董事会设置、独立董事制度以及经营者选聘与激励的漯河银行董事会治理优化方案；③基于公司治理优化方案,提供了漯河银行治理优化实施策略。本文的研究不仅为漯河银行未来稳健运行提供了一套切实可行的实用性报告,为漯河银行完善公司治理提供了可参考的实施策略,而且为其他城市商业银行完善公司治理策略提供了分析依据和实施途径。
[Abstract]:The predecessor of Luohe Bank is Luohe City Credit Cooperatives. In September 2002, under the guidance of Luohe City Government, it adopted the merger and acquisition method, and reorganized Luohe City Credit Cooperatives by local finance, enterprise legal person and natural person. Henan Banking Regulatory Bureau approved the establishment of Luohe City Commercial Bank. In May 2012, with the approval of China Banking Regulatory Commission, Luohe City Commercial Bank changed its name to Luohe Bank. With the continuous development of Luohe Bank, many problems have been found in management, especially in corporate governance: shareholders fail to exercise their shareholders' rights effectively, shareholders' general meeting becomes furnishings, the operating mechanism of the board of directors is not perfect, and the functions of the board of directors are weakened. The work of the board of supervisors is a mere formality, the ownership structure is unreasonable, and the phenomenon of "one share alone" is more prominent. In this case, it is urgent for Luohe Bank to establish and perfect the corporate governance structure. On the basis of collecting and sorting out a great deal of literature, based on the theory of corporate governance and the successful practice of domestic and foreign commercial banks, this paper systematically studies the corporate governance and optimization strategies of Luohe Bank. Firstly, based on the analysis of urban commercial bank governance in China, this paper discusses the current situation and problems of Luohe bank governance. Secondly, through the comparative study of corporate governance of commercial banks at home and abroad, the paper designs the shareholding ratio of local government, institutional investors, management and employees, and provides the optimization scheme of Luohe bank's equity structure. Furthermore, through the establishment of the board of directors, the system of independent directors and the selection and encouragement of managers, this paper studies the governance optimization scheme of Luohe Bank's board of directors. Finally, according to the above optimization scheme, the implementation strategy of Luohe Bank's corporate governance optimization is put forward. In this paper, the main research features and innovations of Luohe Bank are as follows: (1) by analyzing and comparing the analysis and comparison method, Luohe Bank's equity structure optimization scheme, which provides local government, institutional investors, management and employee stock ownership, has designed the board of directors, which includes the establishment of the board of directors. The system of independent directors and the governance optimization scheme of Luohe Bank's board of directors based on the scheme of corporate governance optimization, which provides the implementation strategy of Luohe Bank's governance optimization. The research in this paper not only provides a set of practical report for Luohe Bank's stable operation in the future, but also provides a reference implementation strategy for Luohe Bank to improve its corporate governance. It also provides the analysis basis and the implementation way for the other city commercial banks to perfect the corporate governance strategy.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33;F271

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