國(guó)有商業(yè)銀行股份制改革問題研究畢業(yè)論文-全文預(yù)覽
【正文】 農(nóng)業(yè)銀行、中國(guó)銀行、中國(guó)建設(shè)銀行和中國(guó)工商銀行,基本形成了國(guó)有商業(yè)銀行體系。金融機(jī)構(gòu)非常單一。國(guó)有商業(yè)銀行股份制改革問題研究畢業(yè)論文 摘 要本論文的主要內(nèi)容是對(duì)國(guó)有商業(yè)銀行的改革歷程進(jìn)行回顧,對(duì)國(guó)有商業(yè)銀行股份制改革的原因、步驟以及后繼安排等相關(guān)問題進(jìn)行探討。直到 1979 年,我國(guó)一直實(shí)行“大一統(tǒng)”的金融體制,這種體制的突出特點(diǎn)是:政企嚴(yán)重不分。在這種體制下,我國(guó)不存在真正的商業(yè)銀行。2004 年1 月,國(guó)有商業(yè)銀行股份制改革正式拉開帷幕,目前正處于進(jìn)行當(dāng)中。缺乏獨(dú)立性。因此,國(guó)有商業(yè)銀行要想成為現(xiàn)代化銀行,必須改革其產(chǎn)權(quán)制度。國(guó)有商業(yè)銀行股份制改造應(yīng)該以總行為主體進(jìn)行,同時(shí)盡快提高經(jīng)營(yíng)管理水平,并選擇合適的時(shí)機(jī)公開上市。用一句話來描述國(guó)有商業(yè)銀行改革:股份制改革是基礎(chǔ),公司治理結(jié)構(gòu)的重構(gòu)與完善是關(guān)鍵。(3)經(jīng)營(yíng)管理層權(quán)力過大、激勵(lì)不足、選擇機(jī)制不佳。 針對(duì)上述問題,國(guó)有商業(yè)銀行在重構(gòu)與完善公司治理結(jié)構(gòu)的過程中,應(yīng)該: (1)注意引入國(guó)內(nèi)外戰(zhàn)略投資者。 國(guó)有商業(yè)銀行股份制改革是一項(xiàng)系統(tǒng)工程,牽扯到方方面面的事情。 2 sole financial institutions。 the third is lowquality6assets and the last is dependence of the four banks. The root of these problems lies in the property institution. Under such kinds of institution, the last owner, the people of China, are widespread across the country. As a result, it is impossible for them to control the senior executives of the four mercial banks, and they get no direct benefit from the banks. In fact, the central government controls the four banks. Because the central government has more than one objective, it is impossible for it to fulfill its responsibility as the direct owner of the four mercial banks. So China must reform the property institution of the four stateowned mercial banks if the four banks expect to be modern mercial banksBecause of several specific reasons, the process of the recapitalization reform of the four banks must be gradual. It is necessary and possible for ChinaThe reform should focus on the central object building modern mercial banks. The main stages are: improvement in the management institution, recapitalization, Initial Public Offering IPO, rebuilding the structure of corporate governance. The recapitalization reform of the mercial banks should begin from the headquarters. The four banks should improve their management skills as soon as possible, and select a proper place and time to offer their shares to the public. It is very critical for the four banks to invite strategic investors during the reform processThis recapitalization reform is not a final objective but a step for the four banks to build their modern corporate institution. During and after the reform, the rebuilding of the corporate governance will bee very important. In one word, recapitalization reform is a base, and the rebuilding of the corporate governance is a key issueIn the normal sense, corporate governance is a kind of institution which7includes internal control systems and the relations between the meeting of the shareholders, the board of directors and board of supervisors. The main problems of the corporate governance in the four banks are: the nonexistence of a meeting of shareholders, impropriety of the board of directors and board of supervisors. The most typical problem is the responsibility of the organization of The Communist Party in the four mercial banks. Its reasons are both political as well as historicDuring the process of rebuilding the corporate governance of the four banks, China should pay much attention to inviting strategic investors, to building the meeting of shareholders, the board of directors, and the board of supervisors. These institutions must all ply with the Corporate Law of China. At the same time, China should also build a proper salary system for the four mercial banks, and give the organization of The Communist Party a proper role in the structure of corporate governance of the four banksThe recapitalization reform of the four banks is a systematic project. It will also relate to many other issues. So it is impossible to impl
教學(xué)教案相關(guān)推薦
鄂ICP備17016276號(hào)-1