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论文编号：	9007
作者编号：	2120142615
上传时间：	2016/12/17 8:21:19
中文题目：	中国邮政储蓄银行公司治理研究
英文题目：	Research on corporate governance of China Postal Savings Bank
指导老师：	张耀伟
中文关键字：	邮储银行；公司治理；改革
英文关键字：	China Postal Savings Bank；Corporate Governance；Reform
中文摘要：	作为一家拥有4万多个营业网点，净利润增速7.46%的大型零售商业银行,邮储银行的发展非常迅速。优势是没有包袱，资产负债表相对比较漂亮；但劣势在于业务较为单一，资产结构失衡，在治理结构上与商业银行还有差距。邮储银行的公司治理情况，不仅对邮储银行的自身发展有着举足轻重的作用，也将对我国金融体系产生一定的影响。论文从我国商业银行公司治理的总体情况出发，根据银行公司治理的特殊性，研究我国商业银行普遍的公司治理方面的存在问题，通过分析国内外相关行业、企业公司治理情况，总结可借鉴的经验，梳理邮储银行立行以来公司治理的发展历程、主要工作和存在问题，并分析其中原因，同时针对实际情况提出合理化的改进建议。伴随着上市进程的推进和落地，邮储银行的公司治理架构日趋完备，下一步应结合邮储实际，创造性地开展公司治理工作。一是厘清内外部公司治理体系权责边界。要秉承党组织嵌入公司治理架构的管理思想，进一步明确党组织在公司治理结构中的地位，明确党委在决策、执行、监督环节的职责及工作方式。要完善邮储银行的内部监督机制，并通过完善授权管理，建立公司治理动态调整机制。二是强化董事会核心作用。要充分发挥董事会在银行战略转型中的引导和决策作用。要维护和坚持内部公司治理架构的自主权。要完善和细化董事会工作机制，落实董事会人事权。三是开展业务治理体系改革。继续推进组织机构改革，加强金融市场业务总部专营制、加快金融租赁子公司的建设、并继续加快布局重庆、上海分中心的建设，积极推进“三农”金融事业部改革，稳妥、有序地推进国际化经营布局。四是关注和履行利益相关方关系及社会责任。要顺应供给侧结构性改革推进资产业务高效发展，践行精准扶贫社会责任，发展绿色信贷；完善信息披露制度，做好外部信息披露的同时做好内部信息披露；要树立品牌形象，进一步强化邮储银行在“普惠金融”、“社区银行”、“绿色信贷”、“城镇化”等领域的影响力和权威性。
英文摘要：	As a company with more than 40 thousand outlets, net profit growth of 7.46% large retail commercial banks, the development of the postal savings bank very quickly. Advantage is not a burden, the balance sheet is relatively beautiful; but the disadvantage is that the business is relatively simple, the balance of the asset structure, the governance structure and the difference between the commercial banks. The postal savings bank corporate governance, not only plays a decisive role in the postal savings bank's own development, will also have a certain impact on the financial system of our country. From the overall situation of corporate governance of China's commercial banks, according to the particularity of the bank corporate governance, the problem of our country commercial bank corporate common governance, through the analysis of governance related industries, enterprises at home and abroad, summarizes the experiences, combing the postal savings bank for development, the company has the main work and management problems, and analyzes the reasons, and puts forward reasonable suggestions for improvement based on the actual situation. Along with the advancement of the listed company governance structure and landing, the postal savings bank is complete, the next step should be combined with the postal savings practice, creatively carry out the work of corporate governance. First, to clarify the boundaries of the internal and external corporate governance system. To uphold the party organization embedded in the management of the structure of corporate governance, further clarify the status of the party organization in the corporate governance structure, clear party committees in the decision-making, implementation, supervision aspects of the responsibilities and work. The postal savings bank to improve the internal supervision mechanism, and by improving the authorization management, the establishment of a dynamic adjustment mechanism of corporate governance. Two is to strengthen the role of the board of directors. To give full play to the role of the board of directors in the strategic transformation of the bank. To maintain and adhere to the autonomy of the internal corporate governance structure. To improve and refine the working mechanism of the board of directors, the implementation of the board of directors of personnel. Three is to carry out the reform of business management system. Continue to promote the reform of the organization, strengthen the construction of financial market system, accelerate the construction of franchise business headquarters, financial leasing subsidiary and continue to accelerate the layout of Chongqing, the Shanghai center, actively promote the "rural financial division reform, and steadily and orderly promote the internationalization of business layout. Four is concerned with the interests of the relevant parties and the implementation of social responsibility. To conform to the supply side structural reform to promote the efficient development of business assets, the practice of poverty alleviation precise social responsibility, the development of green credit; perfecting the information disclosure system, at the same time the external to the internal information disclosure of information disclosure; to establish a brand image, to further strengthen the postal savings bank in the "financial inclusion" and "community banks", "green credit", "urbanization" areas of influence and authority.
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