国外银行发展对中国国有商业银行股份制改革的启示

【作者】 王先琴；

【导师】 史福厚； 雷立军；

【作者基本信息】 内蒙古大学 ， 金融投资管理， 2004， 硕士

【摘要】 从上世纪80年代开始，国际上商业银行的发展渐成集中化、全能化、电子化、国际化趋势，国外商业银行以股份制形式组建并在条件成熟时上市已是普遍现象。中国国有商业银行要顺应银行业发展趋势、解决发展中存在的困难、真正建立起现代商业银行体制、增强竞争力、实现国际化的战略目标，就必须实行股份制。中国国有商业银行实行股份制及最终上市既要借鉴国外银行的经验，又要从本国实际出发。国外商业银行良好的公司治理机制、金融控股公司模式及改善资本充足率、处置不良的措施为我国国有商业银行的股份制改造提供了可资借鉴的经验。阻碍我国国有商业银行上市表层的原因是资本充足率低和不良资产率高，深层次的原因是公司治理机制不完善带来的诸多问题，如组织架构、经营绩效、激励约束、信息披露等。因此完善公司治理结构、引进战略投资者实现投资主体多元化、充实国有商业银行资本金、消化巨额不良资产、股票如何上市等，成为我国国有商业股份制改造最终上市主要解决的问题。更多还原

【Abstract】 Since 1980s,development trends of commercial banks all over the world have become centralized,universal,e!ectronical and transnational banks .It is a universal phenomenon for the foreign commercial banks to form stock-holding cooperations and become listed companies as soon as the conditions being allowed.China’s state-owned commercial banks have to implement stock-holding system if they are to go with the tide of banking,overcome the difficulties in developments, establish actually modern-commercial banking system, strengthen competitive power and achieve the international strategy goal. China’s state-owned commercial banks’ implementing stock-holding system and becoming listed company not only need to use the experience of the foreign banks for reference but also be from the reality of China. These banks may benefit by the experience of the foreign commercial banks’ healthy corporate governance structure , of financial holding company models.as well as of the measures of promoting capital adequacy and resolving non-performing loans.The superficial cause for hindering the four banks’becoming listed companies is capital inadequacy and great of bad loans while the profund cause lies in the lack of consummated stock-holding system from which many problems arise.These problems are about company structure ,managing achievement, incentive and discipline mechanism , information disclosure and so on.Therefore, for stock-holding system reform .China’s stock-owned commercial banks has to resolve the above problems and arrange of stock controlling right as well as equity structure before becoming listed company..更多还原