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论文编号：	3810
作者编号：	2120092726
上传时间：	2011/11/27 22:11:37
中文题目：	基于公司治理的中国商业银行经营风险研究
英文题目：	The Research of Chinese Commercial Bank Operational Risk Based on Corporate Governance
指导老师：	李维安
中文关键字：	商业银行；公司治理；经营风险；金融危机
英文关键字：	Commercial Bank; Corporate Governance; Operating Risk; Financial Crisis
中文摘要：	随着经济全球化和金融国际化程度的日益加深，金融活动的网络效应不断强化，金融风险不断加剧，商业银行的经营风险的防范与管理成为银行经营运作实务以及公司治理研究中十分重要的焦点和命题。回顾全球金融经济的发展历程，无论是单个银行的经营失败或者破产，还是包括亚洲金融危机、此次全球金融危机在内的数次影响深远的国际金融危机，往往在一定程度上反映了商业银行在基于经营风险的公司治理的内外部缺陷。由于商业银行经营者的短视、贪婪、盲目自信，使其对于金融风险视而不见，这不仅引发了过高的杠杆率，而且成为商业银行公司治理失败的重要原因。从整个金融经济的系统看，由于金融创新活动引发的委托代理链条的延长，并在此基础上滋生和积累的道德风险，成为商业银行公司治理失效的重要根源之一。从本质上看，作为经营资金（资本）、经营风险的一种企业，商业银行公司治理是公司治理研究中的重点范畴之一。在此次全球金融危机爆发后，以美国为代表的发达经济体，在重新审视金融监管理念和金融稳定政策的同时，从制度层面入手，完善商业银行机构公司治理中有关高管人员激励制度，使收入与长期业绩挂钩。改善信贷配置制度，利用贷款价值比率来防止信贷过度和形成过度资产泡沫的风险。银行公司治理的重要核心在于提升银行机构经营风险和风险掌控的能力，因此，研究银行的公司治理问题，离不开研究银行经营风险管理战略和目标导向。本文首先在综述国内外相关文献和经典理论的基础上，深入和全面地研究了中国国内商业银行公司治理的现状，并从商业银行内部和外部公司治理两个角度，系统性地研究和探讨了国内银行公司治理对银行经营风险的影响；此后，利用比较分析法，在分析了发达经济体商业银行公司治理增强银行经营风险管理经验的基础上，立足于全球金融危机的现实背景，研究了全球金融危机爆发与银行公司治理之间的内在联系和机理，深刻地剖析了国内银行公司与国际先进银行的差距。最后，从商业银行的优化股权结构、建立有效的高管激励约束机制、完善董事会和监事会在风险管理中的作用、完善银行风险管理体系和风险内部控制制度等银行内部公司治理，并从强化资本监管、坚持分类实施原则、加强监管部门的监督检查、审慎对待市场准入、建立激励相容的显性存款保险制度等银行外部公司治理等多个角度，系统性地提出了完善我国商业银行公司治理的策略和安排。
英文摘要：	With economic globalization and the degree of internationalization of financial deepening, the network effect of financial activities continues to strengthen, and the financial risks grow. Prevent and management of operational risks of commercial banks became the very important focus in the field of banks' business operations and the research of corporate governance. Recalling the process of global financial and economic development, whether it is a single bank's business failure or bankruptcy, or the Asian financial crisis, the global financial crisis, including several far-reaching international financial crisis, often to some extent, reflected business risk-based internal and external corporate governance deficiencies of the commercial banks. Because the managers of commercial banks are short-sighted, greedy, blind self-confidence, they turn a blind eye to financial risks, which not only led to excessive leverage, and become an important reason for the failure of corporate governance in commercial banks. In the entire financial system, the extension of the agency chain by the financial innovation accumulated the moral hazard, which became the major causes of the failure in the corporate governance of commercial banks. In essence, commercial banks are the enterprises which focus on funds (capital) operation and risk management. The corporate governance of commercial banks is the vital researching field of corporate governance. In the current global financial crisis, the United States and the other developed economies re-examine the concept of financial supervision and financial stability policies, and improve the incentive system for executives from a system perspective, which realized the income and long-term performance-related, in the corporate governance in commercial banks. These economies improve the credit allocation system, and prevent the formation of excessive credit and excessive risk of asset bubbles by the ratio of the loan to value. The focus of bank's corporate governance is to enhance the ability of the operating and control of the risk of banking institutions. Therefore, the study of the bank's corporate governance can’t do without the research of the strategy of risk management and goal-oriented about banks. This article first reviewed relevant literature and the classical theory, and study the status of the corporate governance of China's domestic commercial banks in-depth and comprehensive. It systematically studied and discussed the influence of the corporate governance of domestic banks to the operating risk of banks from the two angles of the internal and external corporate governance of commercial banks. Since then, it analyzed the experience of the corporate governance in the banks of the developed economies, which enhanced the risk management, by the comparative analysis. Based on the background of the global financial crisis, it researched the intrinsic link and the mechanism between the global financial crisis and corporate governance of banks, and then analyzed the gap between the domestic banks and between the advanced international banks. Finally, it provided the strategies and arrangements which improve the corporate governance of the China's Commercial Banks systematically. For instance, the optimal ownership structure of commercial banks, establish an effective incentive and restraint mechanisms for executives, to improve Board and Supervisory Board's role in risk management, to improve bank risk management system and internal risks control and other internal corporate governance of banks, at the same time, to strengthen the supervision of the capital, adhere to the principles of classification of the implementation, supervision and inspection departments to strengthen supervision, careful treatment of market access, incentive compatibility of explicit deposit insurance system and other external corporate governance of banks.
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