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论文编号：	269
作者编号：	042144
上传时间：	2008/12/26 14:26:00
中文题目：	基于利益相关者的国有商业银行信
英文题目：	The control strategy of credit
指导老师：	武立东
中文关键字：	利益相关者;国有商业银行;信贷风
英文关键字：	State-owned commercial banks;C
中文摘要：	在加入WTO之后，我国金融体制的改革和创新不断深入发展，四大国有商业银行的股份制改造相继完成，政府对商业银行的行政性干预正在逐步淡出，商业银行的市场化运作机制逐步形成。股份制改革和战略投资者的引入给国有商业银行带来了活力。但是，市场化运作机制也意味着更激烈的竞争，信贷风险对银行自身的影响将更加直接与严重，本文从国有商业银行的利益相关者对信贷风险影响的角度出发，在商业银行公司治理层面上提出应对策略。 目前，国内外对利益相关者理论、银行的信贷风险和公司治理进行研究的著作和文献很多。但是，采取怎样的策略措施才能更好地从利益相关者的角度对商业银行信贷风险进行控制的研究并不多。本文在总结利益相关者理论、信贷风险生成理论、公司治理理论的基础上，围绕着国有商业银行上市之后，以利益相关者的视角，为更好地控制信贷风险，试图探寻出一套行之有效的银行风险控制策略。 首先，在利益相关者理论、信贷风险生成理论、商业银行治理理论的基础上，建构基于利益相关者视角的商业银行信贷风险控制的理论分析框架。其次，在理论分析的基础上，进一步识别国有银行利益相关者群体，将国有商业银行的利益相关者划分为国家股东、其他股东、存款人与贷款人、经营管理人员和员工共计四类，分析了它们对商业银行信贷风险的作用机理。第三，结合国有商业银行信贷风险，针对不同的利益相关者，从股东、董事会、经理人三方面入手，分别构建了国有商业银行信贷风险的应对策略，并且进一步构建了国有商业银行信贷风险评价管理模型体系。最后，对整篇文章进行总结，并指出本文的一些策略措施对国有商业银行具有一定的借鉴意义。 从利益相关者的角度，研究不同的利益相关者在提高商业银行信贷风险控制能力方面能够采取怎样的策略措施具有一定的创新性和现实意义，希望对中国的金融改革能够提供有益的借鉴。
英文摘要：	After accession to the WTO, the reform and innovation of financial system is consistently developing deeply, the shareholding reform within the four major state-owned commercial banks has been completed one after another, the interruption of government on the commercial banks has faded out, and the commercial banks’operating mechanism of the market is forming gradually. The introduction of shareholding reform and the strategic investors have brought vitality to the state-owned commercial banks. However, the operating mechanism of the market also means more furious competition and the influence on banks brought by the credit risk is more direct and deeper. From the view of the impact that the state-owned commercial banks’ stakeholders have on the credit risk control, this thesis gives coping strategies in the direction of corporate governance in the commercial banks. Up to now, there are substantial books and literature about the theory of the stakeholders, bank credit risk and corporate governance at home and abroad, of which the theory of the state-owned commercial bank credit risk related to the situation in China has more and more cause for concern. However, what strategy and measures can be adopted to solve the problems of commercial bank credit risk caused by the stakeholders haven’t been attached enough importance to by scholars. This thesis discusses around the credit risk after the state-owned commercial banks listed, and the writer tries exploring a feasible and efficient bank risk control strategy from the stakeholders’point of view in order to control the credit risk better. First of all, it is based on the theory of the stakeholders and the theory of credit risk of commercial banks as well as the theory of the commercial bank governance to construct the theoretical analysis of the commercial bank credit risk control. Secondly, based on the theoretical analysis, the writer identifies the stakeholder groups of the state-owned commercial banks further, which is divided into four kinds, including the national shareholders, other shareholders, depositors and borrowers, managers and employees. Thirdly, considering the state-owned commercial banks, this thesis distinguishes the respective focuses of the stakeholders to form the coping strategy of the state-owned commercial bank credit risk. Finally, the writer concludes the whole thesis, pointing out that some strategies and measures of the thesis have the significance of reference for the state-owned commercial banks to some extent. This thesis combines the credit risk and the stakeholders to study the bank credit risk and the possible risk control strategy, from which point of view there’s not so much literature. Therefore, the study on the efficient improvement of the stakeholders’abilities in the commercial bank credit risk control by using the corporate governance has innovative and practical significance, hoping to provide helpful suggestions to the financial reform in China.
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