Search Of Corporate Governance For Commercial Banks In Chian

Chian finance reform began with the performance of People's Bank of China as the central bank in 1984.During this period,the reform of Commercial Banks in China is worth noting.Since the first Chinese Bank Stock- Shenzhen Development Bank came into the market successfully in 1991 in China,six commercial banks have come into the market successively.In recent years,the state-owned commercial banks have made great progress in the reform of share system,such as Bank of China and China Construction Bank.However,because the micro-circumstances are weak,and macro-environment is not completely harmonized,there are a series of problems in the reform,including ownership,share ownership allocation,and bad assets handling.Though some commercial banks have made the reform of share system,they haven't made the fundamental transformation in operational mechanism. Therefore,there appears a hot topic in the finance research,that is,how to resolve those problems of commercial banks effectively,and how to reach the balance between possible risks and high profit.These are also the purpose of the corporate governance for commercial banks.This paper mainly discusses the corporate governance of commercial banks. Under the guidance of basic theories,this paper analyzes corporate governance elements,compares problems existing in corporate governance,and at last holds some suggestions on improving the corporate governance of commercial banks.The research of corporate governance for commercial banks is a most important part of the research of financial innovation and single research method can't solve this widespread and profound problem.So I used many research methods in my thesis such as the combination of theory and practice,the combination of qualitive analysis and quantitative analysis,the combination of logical analysis and data-processing analysis and case analysis etc.This paper includes four chapters.The first two chapters introduce related theories and factors correspondingly.The third chapter describes current situation and problems in China commercial banks.The last chapter makes a conclusion and presents policy suggestions objectively. The study has shown that the purpose of constructing effectively corporate governance is to lower agent cost,to keep interest balance among related subjects,according to international experience and practical situation in China.In order to solve problems of state-owned commercial banks and stock-holding commercial banks in China,this paper suggests reforming and optimizing stock-ownership structure, basic corporate governance framework and duty scope,information mechanism,assessment mechanism and exterior environment.