我国国有商业银行内部治理创新法律问题研究

发布时间：2018-11-14 16:38

【摘要】：我国自20世纪70年代实行改革开放以来，经济不断高速发展，，作为我国国民经济的重要支柱，四大国有商业银行功不可没。前世界银行行长詹姆斯.D.沃尔芬森（James.D.Wolfensohn）曾说过：“对世界经济而言，完善的公司治理和健全的国家治理一样重要。”公司治理的改革与建设是四大国有商业银行高速发展的关键。公司内部治理是公司治理的基础，完善公司内部治理是国有商业银行发展的核心，没有完善的公司内部治理，公司治理的有效性则无从谈起。2008年以美国次贷危机为导火索的国际金融危机席卷全球。在这次危机中，不仅美国的住房抵押贷款投资公司、保险公司、房地产公司大量破产重组，而且其商业银行也遭受到了前所未有的冲击，牵连甚广。这次金融危机爆发的深层次原因是公司治理体系中的问题没有得到重视。尽管经过三十年的改革与发展，我国国有商业银行取得了辉煌的成绩，但是这并不代表国有商业银行的公司内部治理已相当完善。目前，我国国有商业银行在公司内部治理方面还存在不少的问题，其产权仍然存在虚置的情形，国有商业银行并没有实现真正的投资主体多元化，政府仍然是国有商业银行的主要操纵者。我国国有商业银行要想在竞争激烈的国际市场经济大环境中保持稳健经营和健康发展，完善公司内部治理是国有商业银行的必然选择。基于对我国国有商业银行内部治理所存在的问题分析，分析结论认为，通过对国有商业银行内部治理目标与原则的变革与创新，确定我国国国有商业银行的发展方向，同时提出引进民营资本，优化我国国有商业银行股权结构，健全国有商业银行的内部治理的组织结构建设，强化信息披露，建立科学的激励制度等具体制度，规范我国国国有商业银行的公司内部治理，为我国国有银行在“后危机时代”走上国际化道路，成为国际一流银行打好坚实的基础。
[Abstract]:Since the implementation of reform and opening up in the 1970s, China's economy has been developing at a high speed. As an important pillar of China's national economy, the four state-owned commercial banks have made great contributions. Former World Bank President James D. "for the world economy, good corporate governance is as important as good governance," James.D.Wolfensohn once said. The reform and construction of corporate governance is the key to the high-speed development of the four state-owned commercial banks. Corporate internal governance is the basis of corporate governance. Improving corporate internal governance is the core of the development of state-owned commercial banks. There is no perfect internal corporate governance. The effectiveness of corporate governance cannot be discussed. In 2008, the international financial crisis triggered by the U.S. subprime mortgage crisis swept the world. In this crisis, not only American mortgage investment companies, insurance companies, real estate companies, but also its commercial banks suffered an unprecedented impact, involving a wide range of. The deep reason for the outbreak of the financial crisis is that the problems in the corporate governance system have not been taken seriously. Although after 30 years of reform and development, the state-owned commercial banks in China have made brilliant achievements, but this does not mean that the internal governance of state-owned commercial banks has been quite perfect. At present, there are still many problems in the internal governance of the state-owned commercial banks in our country. The property rights of the state-owned commercial banks are still fictitious, and the state-owned commercial banks have not realized the diversification of the real investment subjects. The government remains the main operator of state-owned commercial banks. In order to maintain steady operation and healthy development in the competitive international market economy environment, it is the inevitable choice of state-owned commercial banks to perfect the internal governance of the company. Based on the analysis of the problems existing in the internal governance of the state-owned commercial banks in China, the conclusion is drawn that, through the reform and innovation of the internal governance objectives and principles of the state-owned commercial banks, the development direction of the commercial banks in China is determined. At the same time, it proposes to introduce private capital, optimize the ownership structure of state-owned commercial banks, perfect the organizational structure of the internal governance of state-owned commercial banks, strengthen information disclosure, establish scientific incentive systems, and so on. Standardizing the internal corporate governance of commercial banks in our country will lay a solid foundation for China's state-owned banks to take the road of internationalization in the "post-crisis era" and become a solid foundation for international first-class banks.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.281

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