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Research On The Relationship Between City Commercial Banks And Local Governments

Posted on:2019-04-14Degree:MasterType:Thesis
Country:ChinaCandidate:S Z JiangFull Text:PDF
GTID:2436330572964142Subject:Government governance and operation
Abstract/Summary:PDF Full Text Request
The urban commercial banks are the new banking institutions in China.The local governments have played an indispensable role in their more than two decades of development,while the evolution of their relationship has left a mark on the economic and social transition period.In the mid-1990s during the development of urban credit cooperatives,there emerged some situations in which the risk exposure and sudden drop in operating efficiency due to unregulated management.For stabilizing the financial order,the State Council decided to develop urban commercial banks on the basis of urban credit cooperatives.The urban commercial banks mainly have two modes in the development:the policy-oriented and market-oriented modes,while the former is based on the government’s intention to implement the policies,and the latter expand and develop based on the market-based configuration.In the initial stage of the establishment,the urban commercial bank achieved rapid development and promoted the local ecconomy with the strong support of the local government,and had a positive interaction with the local government.As for urban commercial banks,under such a good market economy situation,it must make a structural change on the internal equity,to improve the corporate governance.Such demand for reform has created a major contradiction with the existing shareholding structure,which was mainly manifested in the unreasonable relationship between the autonomous development of urban commercial banks and the control of local governments.Such shareholding structure hindered the deepening equity reform of urban commercial bank,and caused the contradiction on the original relationship between them with local governments.Since the socialism with Chinese characteristics entered a new era,the urban commercial banks must implement equity reforms that meet the needs of market economy development to adapt to the development,and must form the market-based corporate governance structure model.Of course,this reform involves the benefit games of all parties.In the equity reform,the urban commercial banks should resolve the problem of how to achieve a smooth transition from a policy-oriented model to a market-oriented model,that is,how to establish a scientific and rational relationship between urban commercial banks and local governments,to ensure the smooth development of local economy and society.In this paper,in order to confirm the leading position of urban commercial banks in the market,and provide advice and suggestions for the government supervision,it analyzes and studies the insufficiency in detail,and the paper has six chapters:Chapter one is introduction,mainly introduces the background and significance of the study,the research method and content of the relationship between urban commercial banks and local governments,as well as summarizes the basic framework of the paper as a whole.Chapter two is about conceptual definition and related theories.It mainly introduces the main theoretical basis supporting the research of this paper,ensures that the discussion s within a reasonable scope,and elaborates the theoretical cooperation and development between urban commercial banks and local governments.Chapter three is the analysis of the current relationship ’between urban commercial banks and local governments,mainly escribes the development history and scale of urban commercial banks,their characteristics and specific relation performance with local governments,etc.Chapter four is the analysis of the problems and causes of the problems in the relationship between urban commercial banks and local governments,and conducts a dialectical analysis on their relationship to discuss the causes of problems,thus proposing research and solution on ow the government can better support the development of urban commercial banks.Chapter five is the experiences at home and abroad.It invokes the advanced experience in developed regions at home and abroad,elaborates the banking system in the United States and Europe,highlights the bank existing models of governments in developed western countries,studies the composition of developed country banking systems,and absorbs the development experiences favorable to China.Meanwhile,it lists the urban commercial banks successfully listed in China,and analyzes their development history and featured services for reference.Chapter six is the measures and suggestions for perfecting the relationship between urban commercial banks and local governments.Based on the previous analysis,it proposes the suggestions of improving the corporate governance for urban commercial banks,weakening government control,enhancing competitiveness of urban commercial banks,strengthening supervision and service of local governments,shifting from policy-driven to market-oriented management of urban commercial banks,promoting listing of urban commercial banks,and strengthening human resources construction,etc.,thus striving to reform and improve their relationship and achieving a win-win situation.
Keywords/Search Tags:local government, urban commercial bank, equity reform, relationship between banks and governments
PDF Full Text Request
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