从股东股权管理视角审视中小银行公司治理问题

Examining the Disorder of Corporate Governance of Small and Medium-sized Banks from the Perspective of Shareholder Equity Management

股东股权管理是公司治理的重要基础,个别业务违规可能产生的仅是局部风险,但股权关系混乱、股车乱作为等股权乱象却是重大风险的源头。本文认为清晰的股权结构、优良的股东资质、明确的股东责任和规范的股东行为是构建良好股东股权的必要条件,通过从立法与监管、股东、银行自身三个层面对中小银行股东股权管理问题和风险进行探析,认为完善中小银行股东股权管理,切实提升其公司治理水平,不仅要依靠其自身夯实治理责任,还需要从外部环境层面加快推进股东股权立法,进一步深化国有金融资本出资人职责以及有效发挥金融监管的权威作用。

shareholder equity management is an important basis of corporate governance.Individual business violations may only produce local risks,but equity chaos such as chaotic equity relationship and shareholder behavior is the source of major risks.This paper holds that clear ownership structure,excellent shareholder qualification,clear shareholder responsibility and standardized shareholder behavior are the necessary conditions for building good shareholder equity.It analyzes the problems and risks of shareholder equity management of small and medium-sized banks from the three levels of legislation and supervision,shareholders and banks themselves,and believes that improving the shareholder equity management of small and medium-sized banks and effectively improving their corporate governance level,It not only relies on itself to consolidate the governance responsibility,but also needs to accelerate the shareholder equity legislation from the external environment level,further deepen the responsibilities of state-owned financial capital contributors,and effectively give full play to the authoritative role of financial supervision.