【作者】 谭健；

【导师】 楚尔鸣；

【作者基本信息】 湘潭大学 ， 政治经济学， 2002， 硕士

【摘要】 国有独资商业银行作为我国现代金融体系的主体，在维持金融秩序、促进经济发展方面起着举足轻重的作用，国有独资商业银行的改革对于我国金融体制改革也具有重要意义。目前，国有独资商业银行的体制弊端已经严重制约了国有独资商业银行的发展，成为“入世”后参与国际竞争的“制度性”障碍。国有独资商业银行唯有按现代企业制度的要求，进行股份制改造才是根本出路。因此，该选题具有重大的理论意义和现实意义。本文首先从产权的基本理论入手，引入了银行产权制度的一般理论分析，对我国国有独资商业银行的现行产权制度和国际上其他国家的银行产权制度进行了比较，提出了我国国有独资商业银行的产权制度束缚了自身的发展，已经不能适应经济发展和全球金融市场竞争的需要。接着本文从多角度对国有独资商业银行产权制度改革的选择进行了分析，比较了国有独资和股份制的利弊优劣，得出了股份制改造是国有独资商业银行产权制度改革的必要选择和最佳选择的结论。然后本文对国有商业银行股份制改造提出了具体实施的总体构思，提出了建立现代商业银行的改革目标、多步走的改革顺序、多种选择的改革方案和应逐步完善的相关配套措施。本文最后对股份制改革过程中可能出现的风险进行了分析，提出了应对措施，并对股份制改革的营运管理提出了建议。总之，本文认为我国国有独资商业银行的改革必要而且可行，其深层次的目的是建立现代商业银行制度，其基本要求是建立明晰的金融产权结构和完善的法人治理结构，为保证国有商业银行股份制改革的成功，必须积极准备、稳妥推进。更多还原

【Abstract】 As the core of the modem and financial system, the state-owned commercial bank plays an important role in maintaining our financial order and promoting our economic development. The reform of our state-owned commercial bank has great significance to the reform of our financial system. At present the system irregularity of the state-owned commercial bank has greatly limited the development of the state-owned commercial bank, which becomes the "systematic" obstacle in international competition after the entrance of WTO. The fundamental way out for the state-owned commercial bank is to proceed the reform of share-holding system according to the requirements of the modem business system. So this research has important theoretical and practical meanings.At first, from the basic theories of the property, this paper introduces the common theory of the bank property, and compares the bank property system in Chinese with that of other foreign countries. I point out that the bank property system of our country limited its development, and can’t adapt itself to the economy development and the competition of the global financial market. After that, this paper analyzes the choices of the reform of the bank property system of our country from many different angles, and compares the advantages and disadvantages of the state-owned system and the share-holding system, and makes a conclusion that the reform of share-holding system is the necessary choice and the best choice to the reform of the bank property system of our state-owned commercial bank. On this basis, I put forward the overall plot to perform the reform of bank property system of our state-owned commercial bank, and point out the reform target of setting up modem commercial bank, the gradual reform sequence, the different choices of reform plan and the relating concerted measures that must be completed gradually. At last, I put forward the possible risks in the cause of the share-holding reform and the effective measures to prevent and control them, and raise some propose to the operating management.In a word, this dissertation regards that the share-holding reform of state-owned commercial bank is necessary and possible. The fundamental target is to set up modem commercial bank system, and the essential demand is setting up distinct financial property structure and perfect management structure. In order to guarantee the success of the reform, we must prepare actively and comment safely.更多还原