国有商业银行公司治理结构研究 Research on the Corporate Governance Structure of State-owned Commercial Banks 国有商业银行公司治理结构研究国有商业银行公司治理结构研究 摘 要 国有商业银行作为中国银行业的主体, 在经济和社会发展中具有举足轻重的地位，其 改革与发展直接关系到中国经济发展的全局。随着经济全球化以及我国经济体制改革的不 断深入，国有商业银行进行现代企业制度改革，建立科学、有效的公司治理结构，已经成 为当前我国商业银行改革与发展的根本出发点。因此，有必要对国有商业银行的公司治理 结构作系统、深入的分析研究，找出适合我国国情的、有效的完善对策，这是提高国有商 业银行国际竞争力，应对外资银行挑战的必由之路，也是确保金融稳定，防范和化解金融 风险的必然选择。此外，对国外商业银行典型公司治理结构模式的考察，能为我们提供颇 具借鉴价值的国际经验。 关键词：国有商业银行 公司治理结构 典型模式 Abstract As the main body of Chinas banking sector, State-owned commercial banks play a decisive role in the development of economic and society, whose reform and development directly relate to the overall situation of Chinas economic development.With economic globalization and the constant deepening of Chinas economic reform, state- owned commercial banks need to conduct modern enterprise system reform and establish a scientific, effective corporate governance structure, which has become the fundamental starting point of Chinas commercial banks reform and development. Therefore, it is necessary for us to make systematic and in-depth analysis of state-owned commercial banks corporate governance structure and find out effective countermeasures suited to Chinas national conditions. This is not only the way for state- owned commercial banks to improve the international competitiveness and deal with the challenges from foreign banks, but also the inevitable choice to ensure the financial stability, preventing and resolving financial risks. In addition, researching on the typical model of corporate governance structure in foreign countries banks can provide valuable international experience for us. Key Words: state-owned commercial bank corporate governance structure typical model 目目 录录 引言.1 一、公司治理结构概述.1 （一）商业银行公司治理结构的涵义.1 （二）完善公司治理结构是国有商业银行改革的核心.1 二、国外银行公司治理结构的典型模式.2 （一）英美模式.2 （二）德日模式.3 （三）国外经验的启示.3 三、我国国有商业银行公司治理结构的现状.4 （一）中外商业银行公司治理结构模式的比较.4 （二）我国国有商业银行公司治理结构的主要问题.5 四、国有商业银行公司治理结构完善对策.7 五、结束语.9 参考文献.10 致谢.11