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论文编号：	6014
作者编号：	2120112763
上传时间：	2013/12/10 16:32:31
中文题目：	中国上市银行引入境外战略投资者的行为机理与业绩表现
英文题目：	Influences and performance of China''''s listed banks introducing foreign strategic investors
指导老师：	覃家琦
中文关键字：	境外战略投资者，公司治理，金融安全
英文关键字：	foreign strategic investors，corporate governance，financial security
中文摘要：	我国商业银行改革开放时至今日已经历了30多个春秋，股份制改革、引入境外战略投资者均成为我国商业银行改革的重中之重，无论是经营成果还是体制变革均取得了可喜的成就。在我国监管当局政策支持和鼓励下，自2005年伊始，建设银行、工商银行和中国银行相继引入了境外战略投资者，通过给予境外战略投资者股份换取先进的经营理念和管理技术，推进我国商业银行的改革，实现我国商业银行的股权多元化，建立现代金融企业制度，完善公司治理机制，提高中国银行业的盈利能力和国际竞争力。面对国内外日趋激烈的竞争环境，毫无疑问，境外战略投资者的到来为我国商业银行注入了新鲜的血脉，满足了监管当局对资本充足率的要求，提高了中国银行业的经营业绩和管理水平。但是随之而来的就是境外战略投资者的蜂拥而入引发了大众对我国商业银行乃至整个金融行业安全问题的探讨和思考。境外战略投资者参股中国银行业，不仅仅是获得投资收益，而是通过派驻董事、高级管理人员和业务合作等方式参与我国商业银行的日常经营管理，在开拓中国市场的同时占有优质客户资源和商业信息，进一步打开中国市场，与我国商业银行形成激烈的竞争，最终控制中国银行业。面对境外战略投资者带来的金融安全隐患，国有商业银行在向境外战略投资者出售股权的同时也要提高安全防范意识，采取措施避免我国银行业被外资控制。监管当局也针对境外战略投资者的持股比例、筛选标准出台了一系列的政策法规和监管制度，切实保证我国银行业的金融安全和利益，避免“引资”不当给我国商业银行带来的灾难性影响。本文着手从引进境外战略投资者的研究背景、制度安排、影响机制、业绩表现等方面进行研究，并通过“引资”前后我国商业银行的财务数据分析引入境外战略投资经营效率的变化，在此基础上对引入境外战略投资者的商业银行提出一些建议策略。
英文摘要：	Our country commercial bank's reform and opening has experienced more than 30 years , the shareholding system reform, the introducing of foreign strategic investors have become a important theme of the reform of China's commercial Banks, and our banks already made great achievements. The authority put forward many policies and rules since the beginning of 2005, China construction bank, industrial and commercial bank and the bank of China successively introduced foreign strategic investors, by giving the foreign strategic investors shares in exchange for the advanced management ideas and management technology, to promote our commercial bank reform, diversifying the equity of China's commercial Banks, establish a modern financial enterprise system, improve the corporate governance mechanism, to improve the profit ability and the international competitiveness of China's banking sector. In the face of increasingly fierce competitive environment，there is no doubt that the arrival of foreign strategic investors make our banks meet the requirements of the regulatory authorities to capital adequacy ratio, improve the performance and management of China's banking sector. But overseas strategic investors led to many problems about financial industry security. Overseas strategic investors not only to get investment income, but by stationed directors, senior management personnel and business cooperation to participate in the daily operation and management of Chinese commercial Banks, while exploring the Chinese finance market and possessing a high quality customer resources and business information and finally lead to compete with our commercial banks, ultimately control the Chinese banking industry. Facing the financial security of foreign strategic investors, the state-owned commercial banks to sell at the same time also to improve safety awareness and take measures to prevent controlled by foreign capital in China's banking industry. Regulators also to foreign strategic investors holding, screening criteria issued a series of policies and regulations and supervision system, to ensure financial security and interests of China's banking industry, avoid improper "capital" of the disastrous impact to our country commercial bank. This article will start from the introduction of strategic investors，system arrangement, effect mechanism, performance and analysis of our commercial bank financial data before and after the introduction of foreign strategic investment, on the basis of the introduction of foreign strategic investors of commercial Banks to put forward some suggestions.
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