国有商业银行产权制度改革问题分析

【作者】 崔艳；

【导师】 耿志民； 刘伟；

【作者基本信息】 郑州大学 ， 管理学， 2004， 硕士

【摘要】 我国20多年的银行体制改革取得了举世瞩目的成效，建立了以中国人民银行为领导、国有商业银行为主体、其他商业银行和政策性银行共同构成的较完整的现代银行组织体系。但这种改革更多地是停留在浅层次的经营管理上，并未解决中国传统计划经济体制下建立起来的传统银行体制存在的深层次体制问题。 随着中国正式加入WTO，我国将逐步放宽对外资金融机构经营人民币业务的地域限制；逐步取消人民币业务客户对象限制；取消所有对外资银行所有权、经营和设立形式进行限制的非审慎性措施。面对国际强手的激烈竞争，如何有效提高国有商业银行银行的国际竞争力，已经成为我国银行业改革和发展的当务之急。与国际接轨，建立市场经济条件下的现代金融体系，要求国有商业银行股份制改造与上市，四家国有商业银行也纷纷做好或者正在做股份制改造和上市的准备。但股改和上市迫使国有商业银行面对的首先就是产权体制问题。这必然要触及多年来始终没有触及到或没有真正触及到的国有商业银行产权制度改革。 基于以上认识，笔者认为从产权理论的角度来研究我国商业银行体制改革这一课题，具有理论上和实践上的双重意义。在内容安排上，本文分为四个部分。第一部分主要介绍国有商业银行改革至今所取得的成效。第二部分分析了在市场经济条件下国有商业银行面临的竞争和冲击。第三部分介绍了国外商业银行体制改革的案例。最后一部分，将重点提出应对竞争和股份制改革的大趋势，国有商业银行应采取的措施和思路。更多还原

【Abstract】 The system reform of banks in our country has acquired world-famous achievements over the past twenty years, and has established a relatively completed modern organization system of banks which is leaded by People’s Bank of China, composed by the main body-state-owned commercial banks, other commercial banks and policybanks. It has also made great effects in the aspects of advancing entirely the enterprise reform of specialty banks and improving the operating frame of banks.But with joining the WTO formally, our country will gradually reduce the region limits to foreign capital finance institution dealing in RMB business, cancel the limits of the RMB business clients, cancel all the imprudent measures which limit the ownership of foreign capital banks and the forms of management and instauration. Facing the severe competition of international competitors, how to improve effectively the international ability of state-owned commercial banks has become the important thing of the banks reform and development in our country. That connecting with the internal and establishing modern finance system in the market economy will demand all state-owned commercial banks which must change into stocks and be launched, four state-owned commercial banks have prepared or are preparing for it . But stocks changing and being launched compel state-owned commercial banks to face the system problem of proper right firstly . This must touch the state-owned commercial banks’ property-right system reform which hasn’t been touched or hasn’t really touched .The system reform has more referred the simple management for many years, it hasn’t sovled the complexed system problem of traditional bank system that was established by the system of Chinese traditional planned economy. Because the deficiency of property right system resulted in confused property right , rigidified management and assets pressure from bad mints, and the shortage of assets plenitude rate resulted in finance venture problem , all these have gradually obstracted the international competition of our state-owned commercial banks.From the above, the author thinks the research task of our commerce banks system reform from the point of property right theory has double significance both in theory and practice. The contents of this thesis are divided into four parts . The first part mainly introduces the acquired achievements of state-owned commercial banks system reform . The second part analyses the competition and concussion that state-owned commercial banks face under the condition of market economy. The third part introduces some cases from foreign commercial banks. The last part will mainly put forward measures and thoughts which state-owned commercial banks should take to reply the trend of the competition and stock reform.更多还原