Research On The Qualifications Of Significant Shareholders In The Establishment Of Commercial Banks

The proportion and number of shares held by significant shareholders of commercial banks are relatively large.The quality of their qualifications will directly affect the business decisions of commercial banks and the interests of shareholders and depositors.This paper locks the problem in the establishment of commercial banks,and restricts the qualifications of significant shareholders at the beginning of the establishment of commercial banks.This issue is discussed in four parts.The first part mainly raises the problem that the current commercial banking law lacks the qualification requirements of significant shareholders.Firstly,the main definition of the significant shareholders of commercial banks is conceptually defined.Secondly,through the practical problems caused by the lack of this system,it is proposed that the recommendations on the qualification requirements of significant shareholders should be added to the commercial banking law.The second part mainly analyzes the significance of adding the qualification requirements of significant shareholders,that is,the necessity of adding the qualification requirements of significant shareholders in the commercial banking law.If there is no such provision in the high-level legislation,not only will the shareholders'qualification review be based on the case,but it will have an impact on the operation and management of commercial banks.This effect has two sides.The well-qualified significant shareholders can promote the orderly development of commercial banks.The significant shareholders with poor qualifications will hinder the stable operation of commercial banks.The third part mainly discusses the principles that should be followed in the supplementary design level of this system.The first one is the principle of moderateness,that is,the measurement of the qualification standards of significant shareholders should be controlled within a reasonable range.This requirement should not be too strict.If it is too strict,it will shorten the bank financing channels,and it should not be too wide.Too loose will make the shareholders with poor qualifications become a significant shareholder of commercial banks.The second is the principle of classification management.According to the shareholding ratio of significant shareholders,initial capital requirements and subsequent capital increase requirements,financial status and credit requirements,the significant shareholders are classified and managed,and the qualification status of significant shareholders is reviewed at any time.The fourth part is to put forward substantive and procedural requirements for the system construction of the significant shareholders'qualifications in the establishment of commercial banks.The substantive requirements include the good financial position and management ability of the significant shareholders,good social reputation and integrity record,appropriate types and scope of business operations,which indicators may be involved,and how to design is a question that is considered in this part of the content.The procedural requirement is to adopt an approval system for the qualification of shareholders and to explain the necessity and rationality of adopting the approval system.