【作者】 姚滢；

【导师】 李相银；

【作者基本信息】 暨南大学 ， 产业经济学， 2006， 硕士

【摘要】 国有商业银行作为我国金融业的主体，多年来为支持国有企业改革、促进经济发展、维护社会稳定作出了重要贡献。但国有银行垄断性的制度安排不适应市场经济体制的要求，而且由于经营管理不善，积存了大量的不良资产，潜在的金融风险很大，到了非改不可的关键时期。 当前，我国对国有商业银行的“三步”改革已进入到股改及准备上市阶段，但这只是改制转轨实现市场化的路径，并不能解决国有商业银行现存的诸多问题。建立现代银行制度的当务之急是公司治理问题，国有商业银行公司治理的构建和完善是我国银行业改革成败的关键。本文运用经济学、金融学、管理学等理论，采用规范分析法、案例分析法和比较分析法，着眼于理论与实践相结合，对国有商业银行的公司治理进行了较系统深入的研究。 文章着重从以下方面展开了探讨：一是全面分析了当前国有商业银行内部治理方面存在的种种问题，这些问题根源于国有独资的产权制度；二是对比分析了国际大银行的公司治理，并从中获取一定启示；三是提出国有商业银行产权制度改革，既要做到产权明晰化，又要做到产权多元化；四是提出完善国有商业银行公司治理的建议，包括内部治理和外部治理两个方面。更多还原

【Abstract】 As the main force of finance industry in China, the state-owned commercial banks have contributed much to supporting the reform of the state-owned enterprises, to fostering the development of economy, and to maintaining the stabilization of society. However, they can’t conform to the market economy systern.because of the monopolistic status. And with the bad management, a large number of non-performing assets have been accumulated. The potential finance risk is so big that it may be triggered at any moment.Although we have reached the step of stock equity reorganization in the "three" step of state-owned commercial banks reform, it is just the path to realize marketization and it can never solve the numerous problems existing at present. The urgent task for building up the modern financial system is to establish and improve the corporate governance which is the key of the reform success. This paper based on the concern theory from Economics, Finance and Management, conducts a deep research into the corporate governance of the state-owned commercial banks by adopting such methods as normative analysis, case analysis and contrastive analysis.This paper focuses on the following four issues. Firstly, it gives a thorough analysis of the various kinds of problems of the inner corporate governance in .state-owned commercial banks. Secondly, it gets some inspiration through analyzing and contrasting the different form of the corporate governance between the two big commercial banks in the world. Thirdly, it puts forward the reform of the state-owned property which requires to be not only clear but also multiform. Fourthly, it present some specific measures and suggestions to Improve the corporate governance of the state-owned commercial banks.更多还原