【作者】 陈芳芳；

【导师】 陈承明；

【作者基本信息】 华东师范大学 ， 政治经济学， 2005， 硕士

【摘要】 商业银行的政府治理是指政府作为商业银行日常运作的监督机构,在监管权力、方式和方法等方面的组织形式和制度安排,包括中央银行的最后贷款人制度、存款保险制度、银行业的进入与退出制度等,以及相关法律的构建和实施。概括地讲,商业银行的政府治理包括银行监管当局的主动式监管和银行法律、法规构建的被动式监管。 一般来讲,商业银行治理可以分为内部治理,市场治理和政府治理这几种形式。目前,对商业银行治理问题的研究大多数都集中于商业银行的内部治理和市场治理方面,而对商业银行的政府治理研究较少。由于我国银行业的特殊性,决定了我国银行内部治理的完善是一个长期而艰苦的过程,并且相关市场包括资本市场、经理人市场和并购市场都不健全。从这个角度出发,对我国商业银行加强政府治理的理论研究和实践指导就显得更为重要和迫切。 本文首先明确了商业银行政府治理的基本涵义和分类;接着从理论和现实两个方面指出了加强商业银行政府治理的必要性和重要性;在此基础上总结了英、美、德、日四个国家商业银行政府治理的经验,提出了可以借鉴的几个重要方面;最后分析了我国商业银行的特殊性,指出了加强政府治理是当前商业银行改革最紧迫的任务,市场的完善和竞争结构的改革是中期任务,而产权变革则是长期任务。在明确这一客观要求的前提下,具体分析了我国商业银行政府治理的现状,对不足之处进行了深入探讨,并提出相应的改革建议。更多还原

【Abstract】 The governmental governance in commercial banking refers to the organizational and institutional arrangement of regulatory authority, approach and method in terms of governmental regulation. This includes the "last resort" arrangement of central bank, the deposit insurance, the entry and exit regulation as well as other related legal infrastructure all of which are designed to reduce or prevent the possibility of bankruptcy and further tackle the financial crisis. Generally speaking, the government’s governance is composed of two major parts: the regulation by governmental authority and the regulation by law .In general, the governance of commercial banking can be divided into three main categories: the internal governance, the market governance and the governmental governance. Most of the existing researches focus on the internal governance and the market governance while the research of the governmental governance is still very rare. But in Chinese reality, the internal governance still needs a tough period to improve while the outside markets such as capital market, manager market and M&A market are also far from complete. Combining above considerations, the research into the governmental governance is of particular importance.This paper clarifies the definition and classification of the governmental governance in commercial banking. Secondly, the importance and necessity of strengthening the governmental governance are presented. After combining the above research and the practical experience of U.K., U.S., Germany and Japan, several important aspects that may be taken as examples are analyzed. Last but not least, based on the analysis of Chinese commercial banking industry, the author argues that the immediate task of Chinese banking reform is just to improve the governmental governance; the second step is to establish and further streamline the effectiveness of markets; the long-term goal is to change the situation of ownership structure existing.更多还原