我国商业银行的特殊性对其公司治理的影响分析

目前,对商业银行公司治理的研究常忽略了商业银行公司治理的特殊性,导致商业银行局部面临较大的风险和整个银行体系的脆弱性。文章从资本结构、委托—代理关系、资本市场并购机制、存款保险和中央银行最后贷款人制度、政府管制和分支机构管理六个方面分析商业银行特殊性对其公司治理影响。认为商业银行公司治理不仅要保护股东和债权人的利益,也应该照顾到所有利益相关者,同时还须考虑到整个金融系统和宏观经济的安全稳定。

The Specialty of Chinese Commercial Bank and Its Effect on Corporate Governance

At present,researches on bank corporate governance usually ignore the specialty of the corporate governance which induces the banks confronting bigger risk and system vulnerability.This paper analyzes the specialty of Chinese commercial bank corporate governance and its effect on corporate governance from six aspects,including special capital structure,agency relationship,mergers and acquisitions on capital market,deposit insurance and the central bank lender of last resort,government regulation and bank br...