Comparing Research On Commercial Banking Internal Governance Structure

Along with foreign banks'entering, the market of banking will change drastically when China enter into WTO. Chinese commercial banks will face to fiercer competition in five years. From the developed experience of other countries, The result of opening their own finance market was that the nation's finance system is often queasy. At present, the reform questions of Chinese banking become one of the focuses of the world, which is emphasis on the corporate governance of Chinese commercial banks. Because the corporate governance of Chinese commercial banks is in primary strings and China is in transition economies, face to the seasoned multinational banks with perfect corporate governance, what Chinese commercial banks must do is mend their pace and acclimate the finance global trend. Therefore, it's necessary to deeply research the corporate governance of Chinese commercial banks and find the key questions, accordingly table the effective proposal. Nevertheless, with the especially situation of our country existing, the reform of the external governance mechanism can not be impact. So which banks can do is that to reform the interior governance structure.Based on the viewpoint, this paper mainly discusses and researches the corporate governance of Chinese commercial banks especially about the interior governance structure. Firstly, this paper reviews the theory of corporate governance briefly and summarizes the models and framework of corporate governance of commercial banks. Secondly, this paper analyzes the problem of Chinese commercial banks based on our banks'abuse and insufficiency. Thirdly, this paper construct three models, which include bank-owner action select model, banking operator action select model and bank-owner's moral hazard towards depositor model, to analyzes and researches the banking governance structure. Lastly, in the end of this paper, after summarizing the research, we give some policy proposals that consummate our commercial banks corporate governance structures reform and developing.