國(guó)有商業(yè)銀行股份制改革問(wèn)題研究畢業(yè)論文-展示頁(yè)
2025-06-19 00:39本頁(yè)面
【正文】 一句話來(lái)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。國(guó)有商業(yè)銀行公司治理結(jié)構(gòu)存在的問(wèn)題主要是:(1)股東會(huì)的缺位。(3)經(jīng)營(yíng)管理層權(quán)力過(guò)大、激勵(lì)不足、選擇機(jī)制不佳。(5)國(guó)有商業(yè)銀行黨組織的作用及其相關(guān)問(wèn)題。 針對(duì)上述問(wèn)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(guò)程中,應(yīng)該: (1)注意引入國(guó)內(nèi)外戰(zhàn)略投資者。(3)建立科學(xué)合理的激勵(lì)機(jī)制。 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。但國(guó)有商業(yè)銀行股份制改革一定會(huì)進(jìn)行下去,并會(huì)取得較理想的效果。 2 sole financial institutions。 4 closed system to foreign involvement. China had no real mercial banks during that periodAfter 1978, China rebuilt The Agricultural Bank, The Bank of China, The Construction Bank and founded The Industrial and Commercial Bank. After that the system of stateowned mercial banks was generally founded. In order to ply with the economic reform of China, the four stateowned mercial banks underwent two stages of reform. But the two reforms did not affect the property institution of these mercial banks, and didn’t achieve good results. In January 2004, the recapitalization reform of the four mercial banks began, and is currently underwayThere are four main problems with the four stateowned mercial banks: the first one is the lack of good management skills。 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 buildi
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