国有商业银行改革治理结构重在三维优化

国有商业银行改革新阶段治理结构仍然存在许多矛盾,诸如组织结构庞大,委托代理链条过长,面对银行内部缺乏明确有效的制衡机制,激励机制扭曲,外部治理环境与机制不完善,债权人约束弱化等问题,完善国有商业银行应从货币资本维度、风险控制维度、人力资本维度进行优化。

State-Owned Commercial Banks Focus on Reform of the Governance Structure of the Three-Dimensional Optimization

There are many contradictions in state-owned commercial banks during a new stage of reform and governance structures,such as a large organizational structure,principal-agent chain is too long.And bank is lack of a clear and effective internal checks and balances,distortion of incentives,external environment and governance mechanisms imperfect,bound to weaken,and other creditors.Therefore,improving the state-owned commercial banks raise money from the capital dimension,the dimension of risk control,optimize the dimensions of human capital.