【作者】 唐洁琳；

【导师】 尹建国； 张辉；

【作者基本信息】 广西大学 ， 金融学， 2002， 硕士

【摘要】 随着我国经济金融体制改革的深化和加入世贸组织后金融市场的进一步开放，我国国有商业银行面临的形势越来越严峻。尽管多年来国有商业银行在业务范围、经营管理、功能定位等方面进行了一系列改革并取得了阶段性成功，但是，它所面临的金融风险问题却不断暴露，主要表现在不良资产持续上升、经营效益不断下滑、呆坏帐损失不断扩大、资本充足率低下等方面。这种金融风险虽然在形式上表现为市场风险，但其形成的根源在于“制度”，尤其是产权制度的变革远远滞后于市场经济和外部环境的发展变化，从而使国有商业银行陷入体制困境，并成为难以根治的顽症。因此，要从根本上解决问题，关键是加快国有商业银行产权制度创新步伐，并最终建立起适应社会主义市场经济发展和改革开放要求的现代商业银行制度。 本文在结构上共分为三章：第一章从理论上对商业银行产权制度的基本功能和演变过程进行分析；第二章从现实入手，对国外现代商业银行和我国国有商业银行的产权制度分别进行考察，并对国有商业银行产权制度暴露的弊端进行深刻剖析；第三章结合我国实际情况，从总体上提出了国有银行产权制度创新的目标、实现形式和原则，并对具体实施步骤和方案进行探索。文章在论述过程中以制度经济学、货币银行学以及现代企业理论为依托，以西方发达国家现代商业银行制度为参照系，运用实证分析与规范分析相结合、归纳与演绎相结合、动态分析与静态分析相结合的研究方法，对国有商业银行产权制度创新进行了系统的论证和分析。本文在他人已有研究的基础上，进行了总结和拓展性研究，对商业银行产权制度与经济发展的关系、与法人治理结构的关系，以及我国国有商业银行产权制度创新的动力机制等问题提出了创新性观点。更多还原

【Abstract】 With the more deepen reform of our financial system and the more opened financial market after joining the WTO, the environment for the surviving of our state-owned commercial banks will become harder .Although our banks have solved many problems on its management and business, its financial risk isn’t wholly eliminated and show up in many ways, such as increasing assets and decreasing profit. This financial risk looks like a market risk from its surface, but its actual root is from institution, especially when the property rights institution reform lags much behind the change of its market economy and external environment. Our state-owned commercial banks land themselves in a predicament for this property rights structure. Therefore , in order to solve this problem completely, the best method is to make measures to quicken their innovation of the property rights institution and finally build up the modern commercial bank system adapting to the development of socialism market economy and the requirement of the reform.This thesis is composed of three parts. The first is to theoretically analyze the functions and the developing history of property rights institution of commercial banks. The second is to compare the property rights institution of our state-owned banks with the developed countries’, and analyze the weakness of our state-owned commercial banks’ institution. The third is to draw up the aim, methods and steps of the property rights institutional innovation of our state-owned commercial banks in accordance with our actual situation. During the analysis, the thesis is based on institution economics, money and banking theory and modern enterprise theory. Compared with the developed countries , the thesis uses many ways, including empirical test and standard test, inductive method and deductive method. Furthermore, the thesis puts forward some new points, mainly on the relationship between the property rights institution of commercial banks and the development of economy, also the way on the motivation of the property rights institutional innovation of the state-owned commercial banks.更多还原