股改后的商业银行公司治理-产业经济学专业论文.docxVIP

1 1 2 2 Abstract With the opening of the finance industry and the deepenning of the reform, the reformation of the state-owned commercial banks has become a focus issue.The root of the main problems of the stated-owned commerical banks, such as the high unhealthy-asset rate, the low capital adequacy ratioin the low efficency of the governmence. The essence of the so-called corporate governance is the arrangement of the ownership of the enterprises. The core is to solve the agency problem under the condition of the separation between ownership and control power. Generally, the form of cororate governance is a series of the contract rules framed by the governance institution concerning the stockholder conference, the board of director and the supervision committee, aiming at proteting the interests of stakeholders that have joined the enterprise contract. So, the definition of state-owned commercial banks governance can be concluded as the following: it is a kind of institution arrangement, organization formation and operation mechanism that connect and regulate the mutual rights and interests of shareholders, debtors,and so on under a certain arrangement of ownership system. The essence of the state-owned commercial banks governance is the distribution of responsibility and right as well as a system of the check and balance. Its core is the mechanism of incentive and restraining aimming at the manager levels of the banks, with the purpose of maximizing the value of the bank. To definite it from the view of risk management, commercial banks governance is a set of institutional arrangement urging bank managers to effectively protect the interests of the stakeholders during their risk allocation activities. The content of commercial banks governance is to maintain the operation of risk allocation contract safely,in order to ensure the interests of the shareholders, depositors, borrowers and the owners of human resource and the government that join in the contract of com