国有商业银行公司治理结构的特殊性及其改革

The Characteristics and Reform of Corporate Governance Structure of State-Owned Commercial Banks

公司治理结构的所有原则都来源于商业银行活动的基本实践。银行治理结构的缺陷最终会损害银行的竞争力,增大银行体系的风险。在当前面临外资银行激烈竞争的新形势下,建立国有商业银行良好的公司治理结构应是银行业改革的首要议题。鉴于我国国有商业银行公司治理结构的特殊性,其公司治理机制的构建应从利益相关者治理的角度出发,顺应国际公司治理的发展趋势,科学地借鉴国外公司治理的典型模式,通过有效的激励机制和内部控制体系,完善信息披露制度,以及逐步健全外部治理等措施,实现国有商业银行富有成效的改革,促进金融行业国际竞争力和资源配置效率的提高。

All concepts of corporate governance structure originate from basic operations of commercial banks. Loopholes in corporate governance structure of banks will finally impair the competitiveness of banks and increase risks of the banking system. Now under the pressure of fierce competition from foreign-funded banks, the top priority of banking reform is to establish a good structure of corporate governance for state-owned commercial banks. In view of the characteristics of corporate governance structure of our state-owned commercial banks, the construction of corporate governance mechanism should be preceded by governance of interested parties and should be in keeping with the international trend and scientifically modeled on typical foreign example of corporate governance. To effectuate the reform of state-owned commercial banks, beef up their international competitiveness and improve their efficiency of allocation of resources, it is necessary to have an effective incentive system and strict internal control coupled with a sound information disclosure scheme and continuously improved measures of external governance.[