【摘要】：我國自20世紀(jì)70年代實(shí)行改革開放以來，經(jīng)濟(jì)不斷高速發(fā)展，，作為我國國民經(jīng)濟(jì)的重要支柱，四大國有商業(yè)銀行功不可沒。前世界銀行行長詹姆斯.D.沃爾芬森（James.D.Wolfensohn）曾說過：“對(duì)世界經(jīng)濟(jì)而言，完善的公司治理和健全的國家治理一樣重要。”公司治理的改革與建設(shè)是四大國有商業(yè)銀行高速發(fā)展的關(guān)鍵。公司內(nèi)部治理是公司治理的基礎(chǔ)，完善公司內(nèi)部治理是國有商業(yè)銀行發(fā)展的核心，沒有完善的公司內(nèi)部治理，公司治理的有效性則無從談起。2008年以美國次貸危機(jī)為導(dǎo)火索的國際金融危機(jī)席卷全球。在這次危機(jī)中，不僅美國的住房抵押貸款投資公司、保險(xiǎn)公司、房地產(chǎn)公司大量破產(chǎn)重組，而且其商業(yè)銀行也遭受到了前所未有的沖擊，牽連甚廣。這次金融危機(jī)爆發(fā)的深層次原因是公司治理體系中的問題沒有得到重視。盡管經(jīng)過三十年的改革與發(fā)展，我國國有商業(yè)銀行取得了輝煌的成績，但是這并不代表國有商業(yè)銀行的公司內(nèi)部治理已相當(dāng)完善。目前，我國國有商業(yè)銀行在公司內(nèi)部治理方面還存在不少的問題，其產(chǎn)權(quán)仍然存在虛置的情形，國有商業(yè)銀行并沒有實(shí)現(xiàn)真正的投資主體多元化，政府仍然是國有商業(yè)銀行的主要操縱者。我國國有商業(yè)銀行要想在競爭激烈的國際市場經(jīng)濟(jì)大環(huán)境中保持穩(wěn)健經(jīng)營和健康發(fā)展，完善公司內(nèi)部治理是國有商業(yè)銀行的必然選擇�；趯�(duì)我國國有商業(yè)銀行內(nèi)部治理所存在的問題分析，分析結(jié)論認(rèn)為，通過對(duì)國有商業(yè)銀行內(nèi)部治理目標(biāo)與原則的變革與創(chuàng)新，確定我國國國有商業(yè)銀行的發(fā)展方向，同時(shí)提出引進(jìn)民營資本，優(yōu)化我國國有商業(yè)銀行股權(quán)結(jié)構(gòu)，健全國有商業(yè)銀行的內(nèi)部治理的組織結(jié)構(gòu)建設(shè)，強(qiáng)化信息披露，建立科學(xué)的激勵(lì)制度等具體制度，規(guī)范我國國國有商業(yè)銀行的公司內(nèi)部治理，為我國國有銀行在“后危機(jī)時(shí)代”走上國際化道路，成為國際一流銀行打好堅(jiān)實(shí)的基礎(chǔ)。
[Abstract]:Since the implementation of reform and opening up in the 1970s, China's economy has been developing at a high speed. As an important pillar of China's national economy, the four state-owned commercial banks have made great contributions. Former World Bank President James D. "for the world economy, good corporate governance is as important as good governance," James.D.Wolfensohn once said. The reform and construction of corporate governance is the key to the high-speed development of the four state-owned commercial banks. Corporate internal governance is the basis of corporate governance. Improving corporate internal governance is the core of the development of state-owned commercial banks. There is no perfect internal corporate governance. The effectiveness of corporate governance cannot be discussed. In 2008, the international financial crisis triggered by the U.S. subprime mortgage crisis swept the world. In this crisis, not only American mortgage investment companies, insurance companies, real estate companies, but also its commercial banks suffered an unprecedented impact, involving a wide range of. The deep reason for the outbreak of the financial crisis is that the problems in the corporate governance system have not been taken seriously. Although after 30 years of reform and development, the state-owned commercial banks in China have made brilliant achievements, but this does not mean that the internal governance of state-owned commercial banks has been quite perfect. At present, there are still many problems in the internal governance of the state-owned commercial banks in our country. The property rights of the state-owned commercial banks are still fictitious, and the state-owned commercial banks have not realized the diversification of the real investment subjects. The government remains the main operator of state-owned commercial banks. In order to maintain steady operation and healthy development in the competitive international market economy environment, it is the inevitable choice of state-owned commercial banks to perfect the internal governance of the company. Based on the analysis of the problems existing in the internal governance of the state-owned commercial banks in China, the conclusion is drawn that, through the reform and innovation of the internal governance objectives and principles of the state-owned commercial banks, the development direction of the commercial banks in China is determined. At the same time, it proposes to introduce private capital, optimize the ownership structure of state-owned commercial banks, perfect the organizational structure of the internal governance of state-owned commercial banks, strengthen information disclosure, establish scientific incentive systems, and so on. Standardizing the internal corporate governance of commercial banks in our country will lay a solid foundation for China's state-owned banks to take the road of internationalization in the "post-crisis era" and become a solid foundation for international first-class banks.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：D922.281

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