Micro-mechanism Analysis About The Corporate Governance Within Listed Commercial Bank

This thesis firstly gives a review of the theories of corporate governance and the general and the specific characteristics of commercial bank. Secondly, it applies a factor analysis model frame to explain how the corporate governance influences the performance of the bank. Then this thesis gives an institutional analysis of China's bank reforming process, taking the recently reformed China Construction Bank as an example, summering its beneficial experience for the following-up reform. Finally gives some general suggestions and strategies for the further reform.At present, our country is actively advancing the reform of shareholding system of the state-owned commercial bank, in order to set up modern banking system. Corporate governance is the core of the modern banking system, so, exploring how to structure and perfect the corporate governance of the listed commercial bank of our country, have important realistic meanings.This thesis of study on corporate governance mode of commercial bank is on the basis of drawing lessons from domestic and international numerous documents, using the relevant theories of new system economics, combining the realistic state and characteristic of the state-run commercial bank of our country, formed some opinions on the corporate governance theory and commercial bank, have certain theoretical and practical meanings.The commercial bank is special enterprise that manages the currency; its corporate governance must be different from that of general enterprise. and the more strict requirements have to be put forward for the "justice governance" of bank based on the frangibility of banking industry; 1.the corporate governance level of bank can influence on national financial safety; 2.the control of stakeholders must be paid particular attention to because of the high social commonality (also called as externality) in corporate governance of commercial bank. The reform of internal governance mechanism in listed commercial banks is in progress in the change of outside financial system.Aims to provide an in-depth study of the stork right structure and internal governance of the banks and their main existing problems, this thesis sets up a factor model to analyze how the inside the corporate governance influence the performance of the bank.By means of experimentation and comparative study, in chapter four and five, the thesis investigates the history of the corporate governance of state-run commercial bank and current situation. Share-holding commercial banks are the focus of financial reform in China and the study of the corporate governance is beneficial to the improvement of state-owned commercial banks, so, taking the recently reformed China Construction bank as an example, the thesis finally elaborates some suggestion for the further improvement in corporate governance.Through extensive investigation and demonstration, the thesis gives designing and suggestion of the corporate governance of commercial bank after shareholding system transformation. The conclusion is: The corporate governance of commercial bank after shareholding system transformation should be a kind of " government's relatively leading common governance " mode, its characteristic is: Stock right pluralism, there are a lot of big shareholders and numerous minority stock holders, but must be controlled relatively by the government; The goal of governance is to improve the business efficiency of the bank constantly, promote the bank to manage and develop continuously steadily and surely, realize the maximized value of the bank; The cooperative surplus of the bank is shared together by such persons who are correlated with of the interests as the shareholder , staff , creditor ,etc.. But according to the practice of the corporate governance of state-run commercial bank at present, it needs a long-term constant trying by mistake and course improved to reach this goal.