本文選題：商業(yè)銀行 + 終極股權(quán)結(jié)構(gòu)�。� 參考：《吉林大學(xué)》2014年碩士論文

【摘要】：本文采用終極股權(quán)分析法研究了我國商業(yè)銀行的終極股權(quán)結(jié)構(gòu)，指出其存在的問題并提出了政策意見。 首先，本文介紹了將商業(yè)銀行終極股權(quán)結(jié)構(gòu)作為研究對象的現(xiàn)實(shí)基礎(chǔ)、文獻(xiàn)背景與理論背景。在現(xiàn)實(shí)方面，我國商業(yè)銀行在取得傲人成績的同時仍然存在著公司治理結(jié)構(gòu)不完善、發(fā)展粗放等經(jīng)營方面的問題，本文的研究為這些問題的解決提供了股權(quán)結(jié)構(gòu)方面的前提基礎(chǔ)；同時，我國國有金融資產(chǎn)管理方面也存在著責(zé)、權(quán)、利的不統(tǒng)一，管人、管事和管資產(chǎn)不統(tǒng)一，政府的社會公共管理職能與國有金融資產(chǎn)出資人職能不分以及所有權(quán)和經(jīng)營權(quán)不分等諸多問題，這些問題的解決也需要了解我國國有金融資產(chǎn)在商業(yè)銀行領(lǐng)域的分布現(xiàn)狀；在文獻(xiàn)方面，作者將國內(nèi)外學(xué)者對股權(quán)結(jié)構(gòu)的研究分為股權(quán)結(jié)構(gòu)研究方法、對不同國家不同企業(yè)的股權(quán)結(jié)構(gòu)進(jìn)行描述以及公司的股權(quán)結(jié)構(gòu)與其他方面的關(guān)系等三個方面。本文采用終極股權(quán)結(jié)構(gòu)分析法分析了我國的商業(yè)銀行，，這一方面發(fā)展了國內(nèi)外的學(xué)者們對于股權(quán)結(jié)構(gòu)的研究，另一方面還擴(kuò)展了終極股權(quán)分析法的使用范圍，為學(xué)者們研究其他行業(yè)及公司提供了經(jīng)驗(yàn)；在理論方面，作者介紹了本研究的理論背景——委托代理理論，重點(diǎn)介紹了該理論的理論淵源、產(chǎn)生原因、涵義及內(nèi)容及其與股權(quán)結(jié)構(gòu)的關(guān)系。 其次，作者介紹了本文的研究對象、數(shù)據(jù)來源和研究方法。本文將研究對象確定為107家商業(yè)銀行，作者通過研究這些銀行披露的年度報告來獲取股權(quán)方面的信息，采用終極股權(quán)分析法來分析其股權(quán)結(jié)構(gòu)。為了更好地說明此方法，作者還以渤海銀行為例，通過公式計(jì)算出終極所有權(quán)并描繪出該銀行的股權(quán)結(jié)構(gòu)。 最后，作者得出了研究結(jié)果并針對存在的問題提出了政策意見。為了便于說明股權(quán)結(jié)構(gòu)現(xiàn)狀，作者將107家商業(yè)銀行劃分為七個梯隊(duì)，然后從全部商業(yè)銀行整體和各梯隊(duì)兩個層面來說明我國商業(yè)銀行的終極股權(quán)集中度、終極國有股權(quán)及其與最大股東的對應(yīng)關(guān)系和境外戰(zhàn)略投資者等三個方面的現(xiàn)狀與特征，進(jìn)而總結(jié)出我國商業(yè)銀行終極股權(quán)集中度較高、終極國有股權(quán)比重偏高、絕大多數(shù)商業(yè)銀行的最大股東為國家以及我國商業(yè)銀行很少引進(jìn)境外戰(zhàn)略投資者等問題。針對這些問題，作者提出了引入“金股”機(jī)制、鼓勵更多民間資本入股商業(yè)銀行和更好地與境外戰(zhàn)略投資者合作等政策建議，以此來使我國商業(yè)銀行的終極股權(quán)結(jié)構(gòu)更加多元，為公司治理結(jié)構(gòu)的完善奠定基礎(chǔ)。
[Abstract]:In this paper, the ultimate ownership structure of commercial banks in China is studied by using the ultimate equity analysis method, and the existing problems are pointed out and the policy suggestions are put forward. Firstly, this paper introduces the realistic foundation, literature background and theoretical background of the ultimate ownership structure of commercial banks. In reality, the commercial banks of our country still have some problems such as imperfect corporate governance structure, extensive development and so on. The research in this paper provides the prerequisite for solving these problems in the aspect of equity structure, at the same time, the management of state-owned financial assets in our country also exists in the disunity of responsibility, power and interest, as well as the disunity of managing people, managing affairs and managing assets. The social and public management functions of the government are not separated from those of the state-owned financial asset investors, as well as the ownership and management rights, and so on. The solution of these problems also needs to understand the distribution of state-owned financial assets in the field of commercial banks; In literature, the author divides the research on equity structure into three aspects: equity structure research method, description of ownership structure of different enterprises in different countries and relationship between ownership structure and other aspects. In this paper, the ultimate equity structure analysis method is used to analyze the commercial banks in China. On the one hand, it develops the research on equity structure of scholars at home and abroad, on the other hand, it also expands the scope of use of the ultimate equity analysis method. In theory, the author introduces the theoretical background of this research-principal-agent theory, focusing on the theoretical origin and causes of the theory. The meaning and content and the relation with the ownership structure. Secondly, the author introduces the research object, data source and research method. In this paper, 107 commercial banks are selected. The author studies the annual reports of these banks to obtain the information on equity, and uses the ultimate equity analysis method to analyze their equity structure. In order to better illustrate this method, the author also takes Bohai Bank as an example, calculates the ultimate ownership by formula and describes the ownership structure of the bank. Finally, the author draws the research results and puts forward some policy suggestions in view of the existing problems. In order to explain the present situation of ownership structure, the author divides 107 commercial banks into seven echelons, and then explains the ultimate ownership concentration degree of Chinese commercial banks from two levels: all commercial banks and each echelon. The present situation and characteristics of the ultimate state-owned equity and its corresponding relationship with the largest shareholders, and the foreign strategic investors, etc., then concluded that the ultimate ownership concentration of commercial banks in China is relatively high, and the proportion of ultimate state-owned equity is on the high side. Most commercial banks' biggest shareholders are the state and China's commercial banks rarely introduce foreign strategic investors and so on. Aiming at these problems, the author puts forward some policy suggestions, such as introducing "golden stock" mechanism, encouraging more private capital to invest in commercial banks and better cooperation with foreign strategic investors, so as to make the ultimate ownership structure of commercial banks in China more diversified. For the improvement of corporate governance structure laid the foundation.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.33;F271

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