There is general insider-control phenomenon existing in the state-owned commercial bank of our country. Since the initial stage of the eighties, the state-owned banks changed leather into enterprises from the government office. In this course, the original pure administrative relationship between the country and bank, marketability changed progressively, the ownership and control power of the state-owned bank have realized the separation analogous to the degree.Because insider-control is related to separation of two rights, it is of logic that insider-control happened in state-owned banks. However, if the reason only restricts herein, it is difficult to explain the insider-control of the state-owned bank of our country control. Seen from the insider-control phenomenon of the stated-owned commercial bank and the system performance it brought, there is difference between insider-control of commercial bank and that expressed in Berle-Means Proposition. And it differs from the insider-control of Russia. The formulation mechanism of insider-control is very complicated in the state-owned banks of our country, it can be explained by agency theory and modern contract economics theory, thus announce generality that produce its, should macro-background and state-owned bank realistic angle of reform , system of changes analyze from China, in order to announce its particularity.Based on the Governance Theory , the thesis analyzed the mechanism and particularity of insider-control in stated-owned commercial banks, and it pointed out that it is the invalid governance to worsen the side affects brought by insider-control. So , in order to figure out this problem , the key is to perfect the governance of stated-owned commercial banks.
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