我国商业银行制度创新与制度风险控制研究

【作者】 胡松；

【导师】 吕敬文；

【作者基本信息】 湖南大学 ， 金融学， 2003， 硕士

【摘要】 经济体制改革过程中的商业银行制度创新给中国经济和金融业带来了勃勃生机，极大地促进了生产力的发展。然而随着改革的推进，我国商业银行的风险也在不断积累，成为经济进一步发展的障碍。经过这些年的理论探索，我国理论界已基本认同了一个事实：我国商业银行的信贷风险基本上是属于制度风险。本文运用新制度经济学和信息经济学的有关原理，以制度变迁为主线，从制度风险控制的角度对西方主要国家的商业银行制度变革进行了分析，指出商业银行制度变迁的过程就是一个控制制度风险的过程，且这一过程不会停止。为了对商业银行各种制度模式出现的必然性和优劣对比进行分析，本文从历史与理论的角度对产权制度与各种业务经营管理制度的具体形式的结合展开讨论，说明了在制度变迁的不同阶段，一定的产权制度形式和一定的业务经营管理制度模式的组合是历史的必然，具有逻辑上的合理性。 文章接着回顾了我国商业银行制度创新的历程，概括了当前我国商业银行制度风险的特征与成因，最后结合上文分析的结果，得出了我国商业银行制度创新的方向，那就是建立以现代产权制度为核心的现代商业银行制度，并且提出了控制制度风险的措施，即深化制度创新：一是建立现代产权制度，完善法人治理结构；二是建立金融控股公司，实行混业经营；三是改革监管制度，建立以功能型监管为特征的混业监管模式；四是加强银行制度的外部环境建设，建立健全社会信用制度。更多还原

【Abstract】 Owing to the institutional innovation in commercial banks accompanied by the reform of economic institution, national economy and financial industry of china have been booming, which has greatly promote the development of productivity. However, commercial bank’s risk has accumulated and prevented national economy from further development as the economic reform is deepened progressively. After theoretical probe of the past several years, the theory circle has agreed that commercial bank’s risk of loan has been caused by the imperfection of institution. According to new institution economics and information economics, the author has a detailed analyses of commercial banks’ institution innovation in the western developed countries from the angle of controlling the institution risk, and concludes that institution innovation in commercial banks results from controlling institution risk.In order to analyses of the various institution models of commercial banks, the author has a comparative discusses about it by compounding commercial banks’ property rights’ institution with business management institution. On the other hand, it suggests some concrete institution model of business management is reasonable logically.The author dates back to the history of commercial banks’ institutional changes in China and summarizes the current characteristics and cause of institution risk in them. At last, taking above analyses into account, the author thinks that it is imperative to establish modern commercial banks’ institution with the core of modern property rights’ institution. At the same time, the author puts forward a series of measures for controlling institution risk as follows: firstly, establish modern property rights’ institution and improve legal entity governance structure; secondly, establish financial controlling corporation and carry out mixed business operation; thirdly, innovate commercial banks’ supervision institution, establishing mixed business supervision model with the characteristics of functional supervision; finally, perfect social credit system in order to strengthen construction of external environment of commercial banks’ institution.更多还原