我国国有商业银行治理结构模式研究

湘潭大学硕士学位论文我国国有商业银行治理结构模式研究姓名：郭红兵申请学位级别：硕士专业：经济学·金融理论与制度创新指导教师：楚尔鸣20050507AbstractAtpresent,ourcountryisactivelyadvancingthereformofshareholdingsystemofthesolelystate-ownedcommercialbank,inordertosetupmodernbankingsystem.Corporategovernanceisthecoreofthemodernbankingsystem,so,exploringhowtostructureandperfectthecorporategovernanceofthestate-runcommercialbankofourcountry,haveimportantrealisticmeanings.Thecommercialbankisspecialenterprisethatmanagesthecurrency,itscorporategovernancemustbedifferentfromthatofgeneralenterprise.Thisthesisofstudyoncorporategovernancemodeofstate-runcommercialbankthatisonthebasisofdrawinglessonsfromdomesticandinternationalnumerousdocuments,haveusedtherelevanttheoriesofnewsystemeconomics,combiningtherealisticstateandcharacteristicofthestate-runcommercialbankofourcountry,hasformedsomenewopinionsonthecorporategovernancetheoryofstate-runcommercialbank,havecertaintheorymeanings.Thisthesisdividesintofourchaptersaltogether,hasexplainedtheintensionofcorporategovernanceandtheoreticalfoundationinchapterone;Chaptertwothroughinvestigatingthecommercialbank’sparticularitythatisdifferentfromthegeneralenterprises,onthebasisofthethingthatcorporategovernanceisgenerallybuiltup,drawthegeneralframeworkofthecorporategovernanceofcommercialbank.Thenthroughthecomparativeanalysistoseveralinternationalanddomesticcases,usetheirsuccessfulexperienceforreference,offerbeneficialenlightenmentforreformofthecorporategovernanceofstate-runcommercialbank,providetherealexamplethatthecorporategovernanceinfluencestheperformanceofthebankfinally;Chapterthreeinvestigateshistoryofthecorporategovernanceofstate-runcommercialbankandcurrentsituation,togettingstate-runbankcorporategovernanceexistingproblemanalyze;Chapterfourgivesdesigningandsuggestionofthecorporategovernanceofstate-runcommercialbankaftershareholdingsystemtransformation.Throughextensiveinvestigationanddemonstration,theconclusionofthistextis:Thecorporategovernanceofstate-runcommercialbankaftershareholdingsystemtransformationshouldbeakindofgovernment'srelativelyleadingcommongovernancemode,itscharacteristicis:Stockrightpluralism,therearealotofbigshareholdersandnumerousminoritystockholders,butmustbecontrolledrelativelybythegovernment;Thegoalofgovernanceistoimprovethebusinessefficiencyofthebankconstantly,promotethebanktomanageanddevelopcontinuouslysteadilyandsurely,realizethemaximizedvalueofthebank;Thecooperativesurplusofthebankissharedtogetherbysuchpersonswhoarecorrelatedwithoftheinterestsastheshareholder,staff,creditor,etc..Butaccordingtothepracticeofthecorporategovernanceofstate-runcommercialbankatpresent,itneedsalong-termconstanttryingbymistakeandcourseimprovedtoreachthisgoal.Keywords:state-runcommercialbank;corporategovernance;mode119801997130[1][2]19999WTO[3]20022[4]WTO20042003450220901995201997Anderson20001977-199620BennySimon200120022--3200220022002200320032003200320042004[5][6]4123123[7]51236FamaandJensen1983BerleandMeans1932JensenandMeckling1976CochranandWartick1988Hart199519957ShleiferandVishny1997Tirole2000OCED1999CorporateGovernance1997123199619972000812345691-112345()101-1Corporategovernance2080BerleandMeans1932Mace1971JensenandMeckling1976Williamson1975Governancestructure9019931119999112003[8]1-2080---Aghionolton1992BerlofThadden1994DewatripontTirole1994Hart1995-Tirole2000-[9]122TheodoreW.SchultzBeckerJ.Mincer(E.F.Dension)199619961997199720002000StigleandFriedthan198319962000Aoki1994Schmidt1997Hellwing1998199619972000199713'Jones1995Dodd1932RajanZingales1997Hart3Aoki1419991995412-153[10]4RajanZingales5RajanZingalesRajanZingalesRajanZingales16----[11]11-21-2172121-31-318(1.1)[12]1.119(2003)11995202000[13]2000221200020002000221996123GWPmPWW+wGG+gGGG1GGW23PmWGGG1G412-243458%6251212345262-1312()2732-12820012023.3610.7%6.8%19822.9[14]199917500084.5810%[15]2-22912541.67%[16]2-2130234-81%19%11%[17]312-385[18]12342-32001321234520025199281996199733130200023082[19]2-420022-411997`2343456125%1%2%353451996678362005[20]DataEnvelopmentAnalysisDEA[21]2572.12.1OPE10ITRINO-INSLITDISGOVS1HS102-2372.2DEAITRS1HS10INOINSLITDISGOV92.917.23850.20860.56370.27770.03850.28611.39500.0292100.007.01470.15000.53270.31350.03620.23281.36120.0054100.009.71931.00001.00000.55430.08351.17721.74050.142848.404.87600.06440.2599-0.48810.02060.00541.12200.000013.051.46790.20640.16990.19860.01390.28750.15830.03962.3OPEITRS1HS10INOINSLITDISGOVOPE1.000ITR0.81971.000S10.24880.33921.000HS10-0.0982-0.12610.73031.000INO-0.4058-0.3357-0.7381-0.46551.000INS-0.4048-0.3424-0.14250.03870.01961.000LIT-0.15650.0754-0.3953-0.20370.27470.15791.000DIS-0.2497-0.0926-0.1261-0.11800.39200.0143-0.16871.000GOV-0.03440.15950.57050.4013-0.49530.1114-0.18830.07991.000DEA2.31100.5S1SH10OPEITR38DEA=C+a1OPE+a2HS10+a3INS+a4LIT+a5DIS+a6GOV1DEA=C+a1OPE+a2S1+a3INS+a4LIT+a5DIS2DEA=C+a1ITR+a2HS10+a3INS+a4LIT+a5DIS+a6GOV3DEA=C+a1OPE+a2HS10+a3INO+a4INS+a5LIT+a6DIS+a7GOV42.41234C28.4603(0.9397)48.8113(1.7090)17.1006(0.5615)28.3662(0.9045)OPE10.1037(1.7950)3.9364(0.6809)10.3855(1.5607)ITR1.7986(2.2274)*S10.5134(2.9385)*HS100.5286(3.18