本文關(guān)鍵詞：中信銀行引進(jìn)戰(zhàn)略投資者影響研究　出處：《內(nèi)蒙古大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

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【摘要】：由于我國(guó)加入WTO時(shí)承諾,2006年開啟了我國(guó)銀行業(yè)全面對(duì)外開放的大局面,如何在如此激烈的競(jìng)爭(zhēng)中屹立不倒,如何改善公司治理、風(fēng)險(xiǎn)管理、產(chǎn)品創(chuàng)新的水平以及如何建立現(xiàn)代商業(yè)銀行企業(yè)文化是急需解決的問(wèn)題。 我國(guó)商業(yè)銀行在我國(guó)金融體系中具有絕對(duì)核心地位。由于體制不完善和經(jīng)營(yíng)水平低下,我國(guó)銀行業(yè)也形成了不少非常難以解決的問(wèn)題。例如：資本充足率、核心資本充足率等指標(biāo)達(dá)不到《新巴塞爾協(xié)議》的最低要求,不良資產(chǎn)率長(zhǎng)期保持較高的水平,內(nèi)部控制方面存在著諸多的不健全,風(fēng)險(xiǎn)防范措施存在諸多弊端。單一的僅僅靠國(guó)有產(chǎn)權(quán)結(jié)構(gòu)已經(jīng)無(wú)法滿足現(xiàn)代銀行業(yè)發(fā)展的要求是所有這些問(wèn)題產(chǎn)生的根源。 最先完成改造的是部分全國(guó)性的股份制商業(yè)銀行,持股股東不再僅僅只有政府和國(guó)家,已經(jīng)實(shí)現(xiàn)了多元化,產(chǎn)權(quán)制度也隨之變得更加正規(guī)化。但其產(chǎn)權(quán)制度總體上還有缺失的,這些全國(guó)性的股份制銀行的最終控制人基本上還是國(guó)家或者政府,政府和國(guó)家往往還持有占比較多的股份,這樣的產(chǎn)權(quán)結(jié)構(gòu)產(chǎn)生的問(wèn)題是銀行往往難以根據(jù)實(shí)際情況進(jìn)行經(jīng)營(yíng)決策,所做出的決策容易受到來(lái)自政府的干擾。從現(xiàn)代企業(yè)制度理論這方面來(lái)說(shuō),公司治理水平和市場(chǎng)配置資源效率低下的主要原因就是政府和企業(yè)做不到有效的分離。這樣來(lái)看,中國(guó)股份制商業(yè)銀行的產(chǎn)權(quán)結(jié)構(gòu)不完善,公司治理結(jié)構(gòu)還存在缺陷,必然會(huì)導(dǎo)致其治理水平徘徊在較低水平。 本文回顧了中國(guó)銀行業(yè)是如何引進(jìn)境外戰(zhàn)略投資者的歷史進(jìn)程,以股份制商業(yè)銀行——中信銀行作為案例進(jìn)行重點(diǎn)分析,研究境外戰(zhàn)略投資者在我國(guó)股份制商業(yè)銀行改造過(guò)程中究竟是發(fā)揮了怎樣的積極作用。那么到底應(yīng)該如何引入戰(zhàn)略投資者才能實(shí)現(xiàn)企業(yè)價(jià)值的增值呢?基于此,我們對(duì)案例進(jìn)行了詳細(xì)的分析,并從中得到了啟示。
[Abstract]:Because of the promise of China's entry into WTO, 2006 opened the banking industry to the outside world, how to stand firm in such fierce competition, how to improve corporate governance and risk management. The level of product innovation and how to establish modern commercial bank corporate culture are urgent problems to be solved. The commercial banks of our country have the absolute core position in the financial system of our country. Because the system is not perfect and the management level is low, the banking industry of our country has also formed many very difficult problems, such as: the capital adequacy ratio. The core capital adequacy ratio and other indicators can not meet the minimum requirements of the New Basel Accord, the rate of non-performing assets has maintained a high level for a long time, and there are many deficiencies in internal control. There are many disadvantages in risk prevention measures. The single state-owned property right structure alone can not meet the requirements of the development of modern banking industry is the root of all these problems. The first to complete the transformation is part of the national joint-stock commercial banks, shareholding shareholders are no longer just the government and the country, has achieved diversification. Property rights system has become more formalized. But its property rights system in general is still missing, the ultimate controller of these national joint-stock banks is basically the state or the government. The government and the state often hold more shares, so the problem of the property right structure is that banks often have difficulty in making decisions according to the actual situation. Decisions made are susceptible to interference from the government. From the point of view of modern enterprise system theory. The main reason for the low efficiency of corporate governance and market allocation resources is that the government and enterprises can not effectively separate. In this way, the property right structure of Chinese joint-stock commercial banks is not perfect. There are still defects in the corporate governance structure, which will inevitably lead to the hovering of its governance level at a lower level. This paper reviews the historical process of introducing foreign strategic investors in China's banking sector, and focuses on the case study of the joint-stock commercial bank, Citic Bank. How to study how the foreign strategic investors have played an active role in the reform of China's joint-stock commercial banks, and how to introduce strategic investors in order to realize the value-added of enterprise value? Based on this, we have carried on the detailed analysis to the case, and has obtained the enlightenment from it.
【學(xué)位授予單位】：內(nèi)蒙古大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33;F831.2

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