商业银行公治理机制.doc

商业银行公司治理机制研究 【摘要】金融是现代经济的核心,银行是我国银行业的主体,国有商业银行居于银行业的主导地位。我国商业银行与资本充足，创新能力和国际竞争力强的现代化大银行这一目标相比,差距仍然很大。国有商业银行要完成向现代商业银行的真正转轨,核心是完善公司治理。银行业具有的特殊性质使得其公司治理从根本上有别于一般意义上的公司治理，即不存在唯一的、最好的公司治理标准。本文借鉴国际银行的经验,综合英美、德日两种模式的利弊，以介绍公司治理的核心理念和基本准则为起始点,通过对国际商业银行公司治理模式的比较,分析国际银行在公司治理中的经验和中国商业银行在公司治理中存在的问题,在总结前人研究的基础上，提出了相应的改革措施，并对构建我国有效公司治理商业银行提出一定的建议。 【关键词】 商业银行 公司治理 激励约束机制 Commercial Banks and Countermeasures particularity 【Abstract】Finance is the core of modern economy, banks are the main body of Chinas banking sector, state-owned commercial banks, the dominant position of living in the banking industry. Chinas commercial banks with capital adequacy, innovation and international competitive goal of modern compared to large banks, the gap is still large. To complete the state-owned commercial banks to the real transition of modern commercial banks, the core is to improve corporate governance. The special nature of the banking industry has made its corporate governance fundamentally different from the general sense of corporate governance that does not exist, the best standards of corporate governance. This reference to international banking experience, integrated Anglo-American, German and Japanese pros and cons of two models, to introduce the core concept of corporate governance and the basic guidelines for the starting point, through the International Commercial Bank of comparative corporate governance, analysis of international banks in corporate governance The experience and Chinas commercial banks in corporate governance problems, the conclusion on the basis of previous studies and put forward the corresponding reform measures, and the Construction of Effective Management of Commercial bank company to make certain recommendations. 【Key words】Commercial bank Corporate Governance Incentive Mechanism 目 录 摘 要………………………………………………………………………………………ⅰ Abstract………………………………………………………………………………………ⅱ 一．公司治理理论概述………………………………………………………………………1 二．商业银行公司治理……………………………………………