商業(yè)銀行公司治理簡介課件(參考版)
2025-03-12 11:03本頁面
【正文】 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 – Monitors internal control environment for entire Board 為董事會監(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 ? Auditors: 審計(jì)人員 – External financial statement audits。Introduction to Corporate Governance 公司治理簡介 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 影響公司治理的國際因素 ? ―Best practices‖ for corporate governance 公司治理的最好實(shí)踐 ? BIS corporate governance issues 國際清算銀行關(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 – 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 —如市場規(guī)則 4 Impact of Banks’ Structure on Corporate Governance 銀行結(jié)構(gòu)對公司治理的影響 ? Type of Ownership: 所有者形式 – stateowned banks 國有銀行 – privatelyowned banks 私有銀行 – listed banks 上市銀行 5 StateOwned Banks 國有銀行 ? Leading role assumed by management – 管理層發(fā)揮領(lǐng)導(dǎo)作用 ? shareholders lesser role 股東作用小 ? External auditors could overvalue implicit/explicit State guarantee 外部審計(jì)可能高估國家的隱性或直接擔(dān)保 ? Banking supervision last line of defense 銀行監(jiān)管 — 最后的防線 6 PrivatelyOwned Banks 私有銀行 ? Management has no autonomy vs. the shareholder(s) 管理層相對股東沒有自主權(quán) ? Bank supervision more critical protect the depositors 銀行監(jiān)管更為重要 —保護(hù)儲戶 ? Market discipline may or may not be significant 市場規(guī)則 —重要性不明確 7 Listed Banks 上市銀行 ? Key elements will work effectively 有效的關(guān)鍵要素： – Shareholders 股東 – Audit Committee 審計(jì)委員會 – Management 管理層 – Market Discipline 市場規(guī)則 – External Auditors 外部審計(jì) – Bank Supervisors 銀行監(jiān)管機(jī)構(gòu) 8 Increased Importance of Corporate Governance 公司治理的重要性加強(qiáng) ? Governance weaknesses cited as major contributor to banking problems 公司治理缺陷是導(dǎo)致銀行出現(xiàn)問題的主要原因 ? Growing plexity of bank activity 銀行
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