商業(yè)銀行公司治理簡(jiǎn)介課件-wenkub.com
2025-03-08 11:03 本頁面
【正文】 lack of investors force higher financing costs 風(fēng)險(xiǎn)增加 —迫使利率升高；缺少投資者 —迫使融資成本提高 – supervisors could limit a bank’s activities 監(jiān)管者能夠限制銀行的活動(dòng) 26 Market Discipline 市場(chǎng)規(guī)則 ? Reinforce work of supervisors 加強(qiáng)監(jiān)管者的工作 ? Reward banks effectively managing risks 獎(jiǎng)勵(lì)有效管理風(fēng)險(xiǎn)的銀行 ? Punishes banks that don’t . increased 懲罰不有效管理風(fēng)險(xiǎn)的銀行 —如風(fēng)險(xiǎn)增加 ? Insurance premiums 保費(fèi) ? Permits long term stability for financial systems and banks 確保金融體系和銀行的長(zhǎng)期穩(wěn)定 27 Other Governance Factors 公司治理的其他因素 ? Corporate governance and lending 公司治理和貸款 ? Related party lending restrictions 關(guān)聯(lián)貸款的限制 ? Governance of offshore locations 離岸機(jī)構(gòu)的公司治理 ? Appropriate structures for internal controls and risk management 內(nèi)控和風(fēng)險(xiǎn)管理的合理結(jié)構(gòu) ? Liquidity management and foreign exchange risk 流動(dòng)性管理和外匯風(fēng)險(xiǎn) 28 Corporate Governance and Lending Activities 公司治理和貸款活動(dòng) ? Board of Directors: 董事會(huì) – Sets strategies and policies。 制定戰(zhàn)略方針 – Direct involvement in large exposures 直接參與大額業(yè)務(wù) ? Management: 管理層 – Compliance with and implementation of agreed strategy and policies 遵守并執(zhí)行既定的戰(zhàn)略方針 ? Audit Committee: 審計(jì)委員會(huì) – Monitors internal control environment for entire Board 為董事會(huì)監(jiān)控內(nèi)控環(huán)境 – Compliance with applicable laws and regulations 合法合規(guī) 29 Corporate Governance and Lending Activities 公司治理和貸款活動(dòng) ? Auditors: 審計(jì)人員 – External financial statement audits。Introduction to Corporate Governance 公司治理簡(jiǎn)介 Federal Reserve System 1 Outline of Presentation 講座綱要 ? Definition of corporate governance 公司治理的概念 ? International factors impacting corporate governance 影響公司治理的國(guó)際因素 ? ―Best practices‖ for corporate governance 公司治理的最好實(shí)踐 ? BIS corporate governance issues 國(guó)際清算銀行關(guān)于公司治理的問題 ? Examiner perspective 監(jiān)管者的觀點(diǎn) 2 Definition of Corporate Governance 公司治理的概念 ? A system of checks and balances promoting a healthy balance of risk and return 推動(dòng)風(fēng)險(xiǎn)與回報(bào)保持良性平衡的制衡體系 ? Facilitates efficient, safe, and sound financial institutions 推進(jìn)高效 、 安全 、 穩(wěn)健的金融機(jī)構(gòu)運(yùn)作 3 What is Corporate Governance? 什么是公司治理？ ? Set of relationships among 以下各方之間的關(guān)系： – Management 管理層 – board of directors 董事會(huì) – shareholders/ other stakeholder 股東 /其他利益關(guān)聯(lián)方 – Regulators 監(jiān)管者 – other control groups . audit 其他控制機(jī)構(gòu) —如審計(jì) – other players . market discipline 其他的參與者 —如市場(chǎng)規(guī)則 4 Impact of Banks’ Structure on Corporate Governance 銀行結(jié)構(gòu)對(duì)公司治理的影響 ? Type of Ownership: 所有者形式 – stateowned banks 國(guó)有銀行 – privatelyowned banks 私有銀行 – listed banks 上市銀行 5 StateOwned Banks 國(guó)有銀行 ? Leading role
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