Research On The Corporate Governance Structure Of State-owned Commercial Banks

Commercial bank is a comprehensive and multifunctional financial company, whose business aim is getting interests and main capital comes from deposits. Its managing system is to seem commercial banks as a system, and referent the principle about its construction and action from its efficient management as a financial company. Founding a kind of efficient managing system of commercial bank, at last, includes the following: property rights of commercial banks, organization system or organization institution of commercial banks, managing principle of commercial banks, and controlling and managing institution about personnel affairs, capital, finance and so on.During more than 20 years of open and reform, Chinese commercial banks have already become a commercial system composed by five kinds and four layers. Five kinds of commercial banks that are state-owned bank, joint-stock commercial bank, city commercial bank, town-country credit cooperative and foreign venture (joint venture) bank. State-owned commercial banks refer to China Industrial and Commercial Bank, China Agricultural Bank, the Bank of China, China Construction Bank. State-owned commercial banks stand in an important place in our financial field. With the change from planning to marketing in our economical system, state-owned commercial banks are developing as quickly as our economical system.The organization of commercial banks is a relationship of organization in the self of one commercial bank or between two commercial banks. From the whole of the system of commercial banks, the organization is called external organization; from the self of a commercial bank is called internal organization. Because of the difference in the connection between any two branches of a commercial bank, there are four kinds of external organization in the commercial bank system, that is single bank system, main-branch bank system, group bank system, and mixed bank system. Main-branch bank system is the key content in chapter 2. In our country, the internal organization is divided with the kinds of works or products. There are no differences in those different internal organizations in our country. Therefore, the idea of the reform of the internal organization of commercial banks includes two main conceptions: one is, in thebasic of not changing the original internal organization state-owned bank system, in addition, to add workers working on the first-work place and reduce officials, according to the principle of big basic and small office. The other is to build the internal organization of joint-stock company like that of foreign banks.The action standard of commercial banks, by common consent, refers to the principle of legal business of a relationship commercial bank. But it also refers to the standardization between banks and enterprises from the perspective of corporate governance structure of commercial banks. The relationship between banks and enterprises here is the same meaning as the relationship between commercial banks and the enterprises expect financial companies. Usually, there are three kinds of relationship between banks and enterprises, that is marketability relationship, enterprise relationship and a half of marketability and enterprise relationship between banks and enterprises. Through analyzing the relationship system between banks and enterprises, we could find the right entrance to resolve problems about action standard of commercial banks. In present, the firm obstacle in the process of becoming to marketability relationship is bad creditor's right of banks. The analysis in detail will be found in chapter 3.How to control insider control and how to stimulate and constrain the marketing members are the core of the corporate governance of commercial banks, especially the evolution of corporate governance structure is essentially a formal and informal institution of making incentive and constraint for marketing members. Different forms of firm property rights result in difference of the corporate governance. Therefore, we must consider o...