论我国城市商业银行公司治理

发布时间：2019-04-01 17:39

【摘要】：城市商业银行自1995年组建至今发展了十几年,逐步摆脱了最初的生存危机,现在已经开始走上良好发展的道路。然而在公司治理问题上,不少城市商业银行缺乏完善的公司治理,仍然延续着刚组建时的治理结构,或者在改革治理结构时不能完全达到我国《公司法》、《商业银行法》及相关指导文件的要求,这严重制约了城市商业银行进一步地发展。并且,我国《公司法》、《商业银行法》等法律中并没有针对城市商业银行公司治理的规定,这也阻碍了城市商业银行完善公司治理的步伐。良好的公司治理是城市商业银行保持可持续发展的基础。本文通过对城市商业银行公司治理的相关理论概述,对比国外商业银行公司治理,分析了我国城市商业银行公司治理的现状,最后提出了完善城市商业公司治理的建议。本文共分四个部分。第一部分为城市商业银行公司治理的相关理论,界定了法律意义上的公司治理,论述了商业银行公司治理的特殊性以及城市商业银行公司治理的特殊性。第二部分是比较了国外商业银行公司治理的模式,主要是以英美为代表的市场主导型治理模式和以德日为代表的出资主导型治理模式,以及东南亚的家族治理模式。通过三种商业银行公司治理模式的研究,得出了对我国城市商业银行公司治理的启示。第三部分主要分析了我国城市商业银行公司治理的现状,指出了股东大会、董事会、监事会在构建上的缺陷,以及信息披露机制和激励机制的缺陷,最后分析了造成这些缺陷的根源。第四部分是笔者对完善我国城市商业银行公司治理的几点建议,并提出了建立良好公司治理所需的外部环境。
[Abstract]:The city commercial bank has been developed for more than ten years since its establishment in 1995, and has gradually got rid of the initial survival crisis. Now it has begun to take a good development path. However, on the issue of corporate governance, many urban commercial banks lack perfect corporate governance, and they still continue the governance structure they just set up, or they cannot fully reach the Company Law of our country when reforming the corporate governance structure. The requirements of Commercial Bank Law and related guidance documents seriously restrict the further development of urban commercial banks. In addition, there are no regulations on the corporate governance of city commercial banks in the Law of Company Law and Commercial Bank Law of our country, which hinders the pace of perfecting the corporate governance of urban commercial banks, which also hinders the pace of the improvement of corporate governance of urban commercial banks. Good corporate governance is the basis for urban commercial banks to maintain sustainable development. This paper summarizes the related theories of urban commercial bank corporate governance, compares the corporate governance of foreign commercial banks, analyzes the current situation of corporate governance of urban commercial banks in China, and finally puts forward some suggestions to improve the corporate governance of urban commercial banks. This paper is divided into four parts. The first part is the related theory of the city commercial bank corporate governance, defines the legal meaning of the corporate governance, discusses the particularity of the commercial bank corporate governance and the urban commercial bank corporate governance particularity. The second part compares the corporate governance model of foreign commercial banks, mainly the market-led governance model represented by the United Kingdom and the United States, the investment-led governance model represented by Germany and Japan, and the family governance model of Southeast Asia. Through the study of three kinds of corporate governance models of commercial banks, the enlightenment to the corporate governance of urban commercial banks in China is obtained. The third part mainly analyzes the current situation of corporate governance of urban commercial banks in China, and points out the defects in the construction of shareholders' general meeting, board of directors, board of supervisors, as well as the defects of information disclosure mechanism and incentive mechanism. Finally, the causes of these defects are analyzed. The fourth part is the author's suggestions on perfecting the corporate governance of urban commercial banks in China, and puts forward the external environment needed to establish good corporate governance.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：D922.291;F832.33

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