本文選題：農(nóng)村商業(yè)銀行 + 公司治理　； 參考：《西南財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：農(nóng)村商業(yè)銀行作為新型的股份制農(nóng)村金融機(jī)構(gòu),其公司治理必須要做到既尊重現(xiàn)代金融企業(yè)公司治理基本規(guī)律,又要符合股份制農(nóng)村商業(yè)銀行的特征。而目前在中國,農(nóng)村商業(yè)銀行的公司治理尚無成熟的理論框架,在實(shí)踐層面也僅停留在摸索階段。就農(nóng)村商業(yè)銀行公司治理現(xiàn)狀的研究而言,目前國內(nèi)外還沒有形成比較成熟的理論體系和達(dá)成共識(shí)的看法。大多是模仿一般公司法人治理結(jié)構(gòu)的理論,有的甚至就是一般公司法人治理結(jié)構(gòu)理論的完全照抄照搬,而沒有考慮到商業(yè)銀行與一般公司的差別,忽略了商業(yè)銀行自身的特點(diǎn)。但是,隨著國內(nèi)外相關(guān)立法的不斷完善,在立法、司法上各國對銀行法人治理結(jié)構(gòu)的改革均呈現(xiàn)出加強(qiáng)的趨勢,使得相關(guān)理論的研究也不斷深入發(fā)展。 本文采用理論與實(shí)際相結(jié)合的方法,從公司治理理論的角度尋找出農(nóng)村商業(yè)銀行在經(jīng)營中出現(xiàn)的問題。以我國農(nóng)村信用社的發(fā)展歷程和農(nóng)村信用社目前依然存在的問題為研究背景,通過分析比對早期改革的幾家農(nóng)村商業(yè)銀行(包括常熟農(nóng)村商業(yè)銀行、江陰農(nóng)村商業(yè)銀行和張家港農(nóng)村商業(yè)銀行)的發(fā)展情況,發(fā)現(xiàn)其在進(jìn)行公司治理的過程中存在著股權(quán)結(jié)構(gòu)不合理的現(xiàn)象、內(nèi)部的監(jiān)管機(jī)制不健全的問題、市場缺乏對于其進(jìn)行有效的約束、缺乏合理的獎(jiǎng)懲機(jī)制等。為此,通過將公司治理理論加以實(shí)質(zhì)性的引入,進(jìn)而提出了關(guān)于農(nóng)村商業(yè)銀行在公司治理的過程中應(yīng)該采取的措施,這些措施包括建立完善的股權(quán)結(jié)構(gòu)和組織結(jié)構(gòu)、建立合理的薪酬獎(jiǎng)勵(lì)機(jī)制、明確市場定位、建立健全監(jiān)督機(jī)制,并且提高企業(yè)的風(fēng)險(xiǎn)管理能力以及優(yōu)化人力資源配置等。農(nóng)村商業(yè)銀行只有通過不斷的認(rèn)識(shí)公司治理的問題所在,才能夠采取相應(yīng)的辦法解決問題。
[Abstract]:As a new type of joint-stock rural financial institution, the corporate governance of rural commercial banks must not only respect the basic laws of corporate governance of modern financial enterprises, but also conform to the characteristics of joint-stock rural commercial banks. At present, there is no mature theoretical framework for corporate governance of rural commercial banks in China. As far as the current situation of corporate governance of rural commercial banks is concerned, there is no mature theoretical system and consensus at home and abroad. Most of them imitate the theory of corporate governance structure of general company, some even copy the theory of corporate governance structure completely, without considering the difference between commercial bank and general company, ignoring the characteristics of commercial bank itself. However, with the continuous improvement of relevant legislation at home and abroad, in legislation, judicial reform of the legal person governance structure of the bank has shown a trend of strengthening, making the relevant theoretical research has been further developed. This paper adopts the method of combining theory with practice to find out the problems in the management of rural commercial banks from the angle of corporate governance theory. Based on the development of rural credit cooperatives in China and the problems that still exist in rural credit cooperatives, this paper analyzes and compares several rural commercial banks (including Changshu Rural Commercial Bank) which were reformed in the early period. The development of Jiangyin Rural Commercial Bank and Zhangjiagang Rural Commercial Bank) shows that there are unreasonable ownership structure and imperfect internal supervision mechanism in the process of corporate governance. The market lacks the effective restriction to it, lacks the reasonable reward and punishment mechanism and so on. Therefore, by introducing the theory of corporate governance in substance, the paper puts forward the measures that should be taken by rural commercial banks in the process of corporate governance, including the establishment of perfect ownership structure and organizational structure. It is necessary to establish a reasonable salary reward mechanism, clear the market position, establish and perfect the supervision mechanism, improve the risk management ability of the enterprise and optimize the allocation of human resources, etc. Rural commercial banks can only solve the problems by constantly understanding the problems of corporate governance.
【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.35;F271

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本文編號(hào)：1899012