韩国《金融公司治理法》对我国商业银行公司治理的启示

South Korea "Financial Corporation Governance Act" on Commercial Banking Companies Implications of Governance

商业银行作为国家经济发展的关键环节,始终发挥着重要的作用。商业银行虽然以公司的形式存在,但是其与一般性公司相比,具有公共性、高负债率、强大的外部性、严格的监管性等诸多特征,极易引发系统性风险。商业银行公司治理则关乎商业银行能否平稳、良好地运行。因此,有必要探索商业银行不同于一般公司的特殊治理机制,本文从中韩两国商业银行公司治理的对比出发,分析我国商业银行公司治理存在的问题。通过对韩国金融公司治理法的制度分析,探索其中有益的经验供我国商业银行借鉴。

As a key link in the country’s economic development,commercial banks have always played an important role.Although commercial banks exist in the form of companies,compared with general companies,they have many characteristics such as publicity,high debt ratio,strong externalities,and strict supervision,which can easily cause systemic risks.The corporate governance of commercial banks is related to the smooth and sound operation of commercial banks.Therefore,it is necessary to explore the special governance mechanism of commercial banks that are different from general companies.This article starts from the comparison of corporate governance of commercial banks in China and South Korea and analyzes the problems existing in corporate governance of commercial banks in my country.Through the institutional analysis of the Korean Financial Corporation Governance Law,it explores the useful experience for Chinese commercial banks to learn from.