中小商业银行治理结构与机制研究：以杭州商业银行为例.docVIP

摘 要 中小商业银行作为金融业中的重要组成部分，其发展越来越受到关注，对中小商业银行的治理研究就显得格外重要。这也引出了本文的研究目标：在相关文献综述、理论分析以及案例研究的基础上，得出自己对于中小商业银行治理的研究结果和政策性建议。本文首先要分析的是商业银行与一般企业治理的区别，以明确商业银行治理的特殊性；再通过中小银行与大型银行治理的比较，得出中小银行在治理上的特点，这样对它们的治理研究就有了一个理论铺垫。理论研究表明：对于中小商业银行的治理，不能简单套用一般企业或者国有大型银行的治理方法。同时本文以杭州银行为案例进行了案例研究，对其治理结构和治理机制进行了深入的剖析，并得出了相关的结论和建议：对于中小商业银行的治理，要优化股权结构，规范股东行为；完善法人治理结构，确保董事会、监事会以及股东大会发挥其真正的作用；完善激励机制，建立有效的激励体系；完善金融监管机制，提高监管效率，降低行业风险。在提出这些建议的同时也希望它们能给中小商业银行的治理带来一定实质性的帮助。 关键词：中小商业银行；治理结构；治理机制 ABSTRACT Small and medium-sized commercial Banks as an important part in the financial industry, its development is more and more attention, for small and medium-sized commercial Banks governance research is especially important. It also raises the research target of this article: in the related literature review, theoretical analysis and case study, on the basis of obtained the results of the governance of small and medium-sized commercial Banks and policy Suggestions. At first, this paper is to analyze the difference between commercial Banks and general corporate governance, in order to make clear the particularity of commercial bank management; Through the comparison of small and medium-sized Banks and big Banks governance, it is concluded that the characteristics of small and medium-sized Banks on the governance, so to their governance research have a theory. Theoretical studies show that for the management of small and medium-sized commercial Banks, not simple to use the governance approach of average company or large state-owned Banks. At the same time this paper introduced the case study in hangzhou bank as a case, the governance structure and governance mechanism carried on the thorough analysis, and the relevant conclusions and Suggestions: for the management of small and medium-sized commercial Banks, to optimize equity structure, regulating the behavior of shareholders; Perfect the corporate governance structure, to ensure that the board of directors, board of supervisors and gen