商业银行的公司治理与银行监管:孰轻孰重

Which should be Given Top Priority in Commercial Banks: Corporate Governance or Banking Supervision

在国有商业银行的公司制改革进程中,在建立完善的公司治理机制的同时,必须强化银行监管效率。本文从商业银行的特殊性出发,论述了商业银行的治理机制有其内在的缺陷,对当前社会上的“公司治理神话”提出了质疑。并结合我国国有商业银行的体制背景,进一步分析了公司治理机制发挥作用的局限性,突出了银行监管的重要性。

In the process of corporate reform in China＇s state-owned commercial banks, while it is important to establish good corporate governance, it is necessary to enhance the efficiency of banking supervision. Based on the particularities of commercial banks, this paper argues that there are some internal drawbacks in the mechanism of corporate governance in banking industry, and it questions the ＂myth of corporate governance＂ popular in the society. Under the special system background of China＇s state-owned commercial banks, this paper further analyzes some limits of corporate governance to play a role and therefore underlines the key role of banking supervision.