| Commercial Banks are such important parts of the economic system that have a pivotal position, especially in the financing structure in China, in which indirect financing is a main stay. At present, as the reform of China’s financial sector system continued to deepen, a diverse banking service system has established in which state-owned commercial banks, joint-stock commercial banks, urban commercial banks and rural commercial banks are included.However, with the four state-owned commercial banks came to the market after stock reform successively and global economic integration, China’s banking industry is increasingly competitive, especially after China’s accession to the WTO and the full liberalization of the foreign banking business.China’s rural commercial bank derives from the original shareholding system on the reform of rural credit cooperatives. Who constitute by private enterprises, joint-stock company, limited liability company, a natural person investment of local joint-stock Banks, are to serve the local economy by level of legal person.In2001,changshu and zhangjiagang rural commercial bank were first established. On December6, jiangyin also subsequently set up rural commercial bank, this is the first batch of three rural commercial Banks in our country. As the new rural financial reform, their birth cause social widespread attention and discussion. In June2003, the state council issued "about deepening the reform of rural credit cooperatives pilot program" notice, it marks the opened up a new round of reform of rural credit cooperatives. In the process of rural commercial bank reform deepening, rural commercial Banks in China still exist many problems, such as, the board of directors and board of supervisors governance structure is imperfect, equity structure is not perfect, there is insufficient regional limitation and innovation, and business ability, and so on.The purpose of this paper is that, on the basis of previous literature review, will focus on the rural commercial bank the relationship between the board characteristics and corporate performance empirical analysis, to find out the problems existing in the governance of board of directors, and put forward pertinent Suggestions, for our country commercial bank management efficiency to provide theoretical support. In addition, the author in the main research conclusion and analysis, on the basis of clarifying the theoretical analysis and empirical results to improve the efficiency of the rural commercial bank’s board of directors governance inspiration. Puts forward some policy Suggestions according to the analysis conclusion, this is advantageous to the bank to further deepen the reform direction, and provide theoretical support for rural commercial bank advance, makes the study of rural commercial bank is more systematic and comprehensive.The article consists of six chapters.Chapter Ⅰ:Introduction. This chapter first proposed this article research background and significance, then has carried on the related literature review, and then introduces the research thoughts and writing methods, this paper finally illustrates the basic framework of this article and the main innovation points and deficiencies.Chapter Ⅱ:The chapter is theoretical overview of the board of directors and corporate governance. Main content of this chapter is an introduction to the board of directors governance and corporate governance theory and the characteristics of the corporate governance of commercial bank. In this chapter, first of all, from the theoretical basis of corporate governance, and then analyzing the characteristic of the banking industry itself, and combining with the characteristics of bank industry characters of banking corporate governance, think back on the board of directors of the rural commercial bank governance characteristics on firm performance:an empirical study of influence.Chapter Ⅲ:The chapter is the summary of rural commercial bank the development. This chapter first has carried on the summary of China’s rural financial theory, then analyzes the current development of rural commercial bank, finally proposed the rural commercial bank existence board governance structure is imperfect, the board of supervisors governance structure is imperfect, incomplete equity structure, regional limitation, insufficient innovation and business ability and risk management ability and so on six major problems. Chapter Ⅳ:The fifth chapter features of rural commercial bank performance influence the empirical analysis. Features include the scale of the board of directors of the board of directors and outside directors proportion, age distribution, number of education degree, the subprime committee of the board director, the board of directors ownership, board meeting frequency, etc., these features are likely to influence the board of directors in the play, in the role of rural commercial bank governance structure will affect rural commercial bank performance. This chapter firstly put forward the board each characteristic and its influence to the rural commercial bank performance and test hypotheses is put forward, and then use the method of multiple linear regression to empirically.Chapter Ⅴ:The fifth chapter features of rural commercial bank performance influence the empirical analysis. Features include the scale of the board of directors of the board of directors and outside directors proportion, age distribution, number of education degree, the subprime committee of the board director, the board of directors ownership, board meeting frequency, etc., these features are likely to influence the board of directors in the play, in the role of rural commercial bank governance structure will affect rural commercial bank performance. This chapter firstly put forward the board each characteristic and its influence to the rural commercial bank performance and test hypotheses is put forward, and then use the method of multiple linear regression to empirically.Chapter VI:The sixth chapter is the empirical result analysis and recommendations and outlook. Laptop chapter on the basis of comprehensive empirical analysis above inductive conclusions, and put forward pertinence according to the results of the empirical analysis, finally the author puts forward the Suggestions to improve the rural commercial bank performance and prospects.The contribution of this paper is based on form researcher, the characteristics of the board of directors of the rural commercial bank in China make an empirical analysis of the impact on bank performance.Due to time, the ability and energy are limited, there are also many deficiencies in this paper. On the one hand, financial index Settings can also be combined with the actual bank. Due to the limitation of financial data, as well as my ability limit, on the indicator set will not be able to do more comprehensive and accurately reflect the reality. On the other hand is on the selection of samples, due to the limited data, and to ensure the2009-2011panel data of the three years caliber unified, this article only choose the country’s17rural commercial bank as sample, with the whole, compared to the number of rural commercial bank proportion is very small, not comprehensive competitiveness evaluation of city commercial Banks in China.Due to the limited knowledge of the author, the hard to avoid the errors and omissions, I glad to various scholars and teachers. In this, the author said loyal thanks!... |
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