中国小型民营银行公司治理的现状与思考——浙江台州三家城市商业银行的案例研究

Status Quo of Corporate Governance Small-sized Non-governmental Banks in China and Some thoughts on it——A Case Study on Three Urban Commercial Banks in Taizhou Zhejing

随着经济体制改革的深入和民营经济的迅速发展,我国民营银行的发展时机日渐成熟,而按照现代公司治理的要求,形成完善的公司治理架构与机制是民营银行发展的关键。因此,民营银行的公司治理问题引起了理论界与银行业监管部门的高度关注。以我国民营银行序列中的小型银行—台州三家城市商业银行为例,分析小型民营银行公司治理的现状,并认为适度集中的股权结构是民营银行公司治理架构的基础,内生的民主化管理创新是民营银行长期发展的必由之路,外部监管部门参与民营银行治理是维护利益相关者利益的重要途径等。

With the deepening of economic regime reform and rapid development of non - governmental economies, the good opportunity is coming for the development of non - governmental banks （NGB） in China. According to the requirement of modern corporate governance, forming of perfect corporate governance structure and mechanism is the key to the development of NGBs. Therefore, corporate governance problem for NGBs has gained great concern in the theory community and banking regulatory department. Taking the small - sized banks in NGBs in China - - - three urban commercial banks in Taizhou as an example, an analysis is made on the status quo of small - sized NGBs, and it＇ s held that moderately centralized equity structure is the base for NGB corporate governance structure, internally - generated democratized management innovation is the inevitable path for long - run development NGBs, external regulatory department＇s participating NGB corporate governance is the important means to maintain the interest of the stakeholders.