略论商业银行利益相关者共同治理：逻辑与机制

商业银行利益相关者共同治理模式是对传统“股东至上”逻辑的修正，强调存款人与贷款人、银行职员与高级经理、以及监管机构对银行价值创造与治理结构的积极参与。鉴于我国目前的金融经济环境．完善商业银行利益相关者参与银行治理的机制与途径，是提升其治理效率的现实挟择。

Logic and Mechanism of Co-management of Commercial Bank Beneficiary

The model of beneficiary co management in commocial banks has amended the old one that focused on the priority of share holders. This new model emphasizes cooperating among borrowers, lenders, staff, senior management and supervision institution and participating in bank's value creating activities and management. In terms of China's financial and economic environments the option to improve management efficiency should be enhancing the mechanism and the approach with which beneficiary would be motivated to participate in management.