本文選題：農(nóng)村商業(yè)銀行 + 公司治理��； 參考：《湖南大學》2013年碩士論文

【摘要】：經(jīng)過多年改革,目前,中國的農(nóng)村信用社正逐步完成股份制改革或改制,轉變?yōu)檗r(nóng)村商業(yè)銀行。農(nóng)村商業(yè)銀行已初步建立現(xiàn)代產(chǎn)權制度,成為具備獨立法人資格的現(xiàn)代公司制企業(yè)。農(nóng)村商業(yè)銀行已普遍建立了以股東大會、董事會、監(jiān)事會、經(jīng)營管理層為主要內(nèi)容的“三會一層”公司治理架構,股東大會作為銀行最高決策機構,向董事會授權負責公司戰(zhàn)略制定和執(zhí)行等重大事項的決策；監(jiān)事會作為監(jiān)督機構與董事會分別行使監(jiān)督和戰(zhàn)略決策權力,董事會向農(nóng)村商業(yè)銀行經(jīng)營管理層授權負責日常經(jīng)營管理。農(nóng)村商業(yè)銀行“三會一層”的權利、義務和責任安排框架初步明確。決策權、經(jīng)營權和監(jiān)督權相互分離、相互監(jiān)督和相互制約機制已經(jīng)構建完成。董事會、監(jiān)事會的議事程序、內(nèi)容、頻率以及議事規(guī)則等制度已經(jīng)建立,形式要件符合監(jiān)管要求。然而,我國農(nóng)村商業(yè)銀行雖然按照現(xiàn)代公司治理要求,形式上建立了“三會一層”管理架構,但實際效果是否達到預期,公司治理是否存在缺陷,有一些值得關注的突出問題。本文聚集于這些問題的研究,并以湖北省農(nóng)村商業(yè)銀行公司治理現(xiàn)狀為實證研究對象,試圖通過分析公司治理與銀行績效的關系,為提高農(nóng)村商業(yè)銀行公司治理有效性,從而提高銀行績效提供理論支持。 本文不僅用傳統(tǒng)的委托代理理論和契約理論作為研究的理論基礎,還引入了社群理論和特許理論進行理論研究。這使研究的理論基礎更全面、更豐富,理論依據(jù)更充分。也使本論文的研究成果更具理論價值。本文在理論分析的基礎上,探討了農(nóng)村商業(yè)銀行公司治理的特殊性和有效性,還對公司治理影響農(nóng)村商業(yè)銀行銀行績效的機理進行了研究。特別是對湖北省農(nóng)村商業(yè)銀行公司治理與績效的關系進行了實證研究。 本文應用系統(tǒng)論的思想與方法,分析了農(nóng)村商業(yè)銀行公司治理與績效的關系,結合湖北省農(nóng)村商業(yè)銀行的樣本進行了實證研究,探討了公司治理影響農(nóng)村商業(yè)銀行績效的機理。最后,本文把理論分析和實證研究的結果結合,從外部治理和內(nèi)部治理兩個方面提出相關政策建議,為完善農(nóng)村商業(yè)銀行公司治理制度和機制提供必要的理論支持和具體的解決思路、方向、辦法。
[Abstract]:After many years of reform, China's rural credit cooperatives are gradually completing the reform or restructuring of the stock system, transformed into rural commercial banks. Rural commercial banks have initially established modern property rights system and become modern corporate enterprises with independent legal personality. Rural commercial banks have generally established a corporate governance structure with shareholders' general meeting, board of directors, supervisory board and management level as the main content. The shareholders' general meeting is the highest decision-making organ of the bank. To authorize the board of directors to make decisions on major matters such as the formulation and implementation of the company's strategy; the supervisory committee, as the supervisory body and the board of directors, shall exercise the powers of supervision and strategic decision-making respectively, The board of directors authorizes the management of rural commercial banks to be responsible for daily management. The rights, obligations and responsibilities of rural commercial banks are preliminarily clear. Decision-making power, management right and supervision power are separated from each other, mutual supervision and mutual restriction mechanism has been constructed. The procedures, contents, frequency and rules of procedure of the board of directors and the supervisory committee have been established, and the formal requirements are in line with the regulatory requirements. However, although the rural commercial banks of our country have established the management structure of "three councils and one layer" in form according to the requirements of modern corporate governance, there are some outstanding problems worth paying attention to, whether the actual effect is up to expectations and whether there are defects in corporate governance. This paper focuses on the research of these problems, and takes the present situation of corporate governance of rural commercial banks in Hubei Province as the empirical research object, trying to improve the effectiveness of corporate governance of rural commercial banks by analyzing the relationship between corporate governance and bank performance. In order to improve bank performance to provide theoretical support. This paper not only uses the traditional principal-agent theory and contract theory as the theoretical basis, but also introduces the community theory and franchise theory to carry out theoretical research. This makes the theoretical basis of the study more comprehensive, richer and more theoretical basis. It also makes the research results of this paper more theoretical value. On the basis of theoretical analysis, this paper discusses the particularity and effectiveness of corporate governance of rural commercial banks, and studies the mechanism of corporate governance affecting the performance of rural commercial banks. In particular, the relationship between corporate governance and performance of rural commercial banks in Hubei Province is studied empirically. In this paper, the relationship between corporate governance and performance of rural commercial banks is analyzed by using the thought and method of system theory, and the empirical study on the sample of rural commercial banks in Hubei Province is carried out, and the mechanism of corporate governance affecting the performance of rural commercial banks is discussed. Finally, this paper combines the results of theoretical analysis and empirical research, and puts forward relevant policy recommendations from two aspects of external governance and internal governance. To improve the rural commercial bank corporate governance system and mechanism to provide the necessary theoretical support and specific solutions ideas, directions, methods.
【學位授予單位】：湖南大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F271;F832.35

【參考文獻】

相關期刊論文 前10條

1 曹艷華;牛筱穎;;上市銀行治理機制對風險承擔的影響(2000～2007)[J];金融論壇;2009年01期

2 李維安;唐躍軍;;公司治理評價、治理指數(shù)與公司業(yè)績——來自2003年中國上市公司的證據(jù)[J];中國工業(yè)經(jīng)濟;2006年04期

3 陳仕華;鄭文全;;公司治理理論的最新進展:一個新的分析框架[J];管理世界;2010年02期

4 李維安,張國萍;公司治理評價指數(shù):解析中國公司治理現(xiàn)狀與走勢[J];經(jīng)濟理論與經(jīng)濟管理;2005年09期

5 白重恩,劉俏,陸洲,宋敏,張俊喜;中國上市公司治理結構的實證研究[J];經(jīng)濟研究;2005年02期

6 王鵬;;投資者保護、代理成本與公司績效[J];經(jīng)濟研究;2008年02期

7 曹廷求;張光利;位華;李維安;;銀行治理、治理機制與治理風險——首屆銀行治理研討會綜述[J];經(jīng)濟研究;2010年09期

8 洪正;;新型農(nóng)村金融機構改革可行嗎?——基于監(jiān)督效率視角的分析[J];經(jīng)濟研究;2011年02期

9 曹廷求;于建霞;;銀行治理、代理成本與銀行機構風險控制——以山東省為例的實證分析[J];經(jīng)濟理論與政策研究;2008年00期

10 曹廷求;鄭錄軍;于建霞;;政府股東、銀行治理與中小商業(yè)銀行風險控制——以山東、河南兩省為例的實證分析[J];金融研究;2006年06期

相關博士學位論文 前7條

1 張湄;銀行公司治理結構與治理效果關系研究[D];復旦大學;2010年

2 牛德強;我國農(nóng)村信用社績效評價體系研究[D];中國海洋大學;2011年

3 袁茂;中國商業(yè)銀行公司治理的相關問題研究[D];重慶大學;2010年

4 王秀麗;中國農(nóng)村信用社法人治理研究[D];遼寧大學;2011年

5 史瑞卿;公司控制權市場機制對中國商業(yè)銀行內(nèi)部治理的影響[D];中國社會科學院研究生院;2012年

6 譚興民;中國上市銀行公司治理結構與治理績效關系研究[D];重慶大學;2012年

7 羅然然;我國農(nóng)村信用社改革研究[D];西南財經(jīng)大學;2011年

，

本文編號：1930161