Study On Corporate Governance Of Chinese Commercial Banks

The market of banking will change when China enter into WTO. Chinese commercial bank will face to fiercer competition in five years. From the developed experience of other countries, the banks of some developing countries shrank away overly, and the foreign banks held the main market position after opening their own finance market. The result was that the nation's finance system is often unrestful. At present, the reform questions of Chinese banking becomes one of the focuses of the world, which is emphasis on the corporate governance of Chinese commercial banks. Because the corporate governance of Chinese commercial banks especial the State owned commercial banks are in primary strings and China is in transition economies, face to the seasoned multinational banks with perfect corporate governance, what Chinese commercial banks must do is mend their pace and acclimate the finance global trend. Therefore, it's necessary to deeply research the corporate governance of Chinese commercial banks and find the key questions, accordingly table the effective proposal.This paper mainly researches the corporate governance of Chinese commercial banks, especially the State owned commercial banks and Diversified ownership commercial banks. The method of study is theoretical analysis and empirical analysis. In the first place, this paper reviews the theory of corporate governance briefly and summarizes the models and framework of corporate governance of commercial banks. In the second place, this paper analyzes the significance of corporate governance evaluation of commercial banks at first. Based on the characteristics of Chinese commercial banks governance, the paper emphasizes the indexes that differ from the common corporate governance evaluation, such as right of creditor, transparency of bank information etc. At the end of this part, the corporate governance evaluation index systems of Chinese commercial banks are provided,and Diversified ownership commercial banks especially the four commercial banks in Chinese stock market and State owned commercial banks are analyzed. In the third place, the model of the commercial banks owners and operators' behavior choice analyzes the use and motivation of owners' prompting or restriction, and effect factors of the operators' work hard or not. The model of morality risk between the owners and creditor analyzes the probability of morality risk in the deposit insurance system. At the end of this paper, after summarizing the research, we give some policy proposals.