Commercial Bank Corporate Governance Research

In recent years, many having over 100 years of international management experience in large shareholding banks, find themselves in corporate governance issues as a result of managing plight and even bankruptcy; In the banking reform of some emerging market economies, many large banks had not properly resolved governance problems such as "internal" control household management and so on, which leads accumulation of huge risks and even triggers a financial crisis. Given the significance of the banking company management, the relevant international organizations have also enacted many corporate governance-related legal documents and studies. In order to adapt the requirements of the market development, unceasingly improving the corporate governance has become an important task in the bank industry. If we say that the ultimate goal of China's banking reform is to step out and to become internationally competitive modern shareholding commercial banks, then the revolutionary change of company governance structure will be a crucial step deciding the success of its reform.Synthetically using of a combination of interpretation and comparative analysis, historical analysis and other methods, this article systematically studies the corporate governance structure theory of commercial banks and its operation mechanism, analyzes the current existing problems and their causes, tries to provide suggestion and efforts improving China's s commercial banks corporate governance structure. The specific research frame is: Firstly, the research base in the predecessors of corporate governance for the content of the theory-through more international organizations and the definition of domestic and foreign scholars, makes my own definition, and explores the historical evolution of corporate governance principles; On this basis, targeting commercial banks specificity, the author specifically sets forth principles and demands of corporate governance. Meanwhile, the author makes a comparative analysis between the British-American market control pattern and the German-Japanese organization control pattern regarding as the current overseascommercial bank's two kinds of models governments pattern, so as to offer revelation for the governance reform of China's commercial banks. In the third chapter, through reviewing the history of China's s commercial banks and analyzing the characteristics of the governance structure of its various times, the author mainly concentrate on the current research flaws that existing in its corporate governance, and analyze the underlying causes of their produce. And then on the basis research of the above, the author proposes the specific pattern of China's commercial bank company and the measure which further reforms, mainly from five aspects as follows: to realize a disparate capital structure; form an effective internal checks and balances; construct a scientific motivation and restraint mechanisms; shape sound external environment and introduce into advanced performance appraisal methods of company governance, exploring how to enhance the level of corporate governance of China's commercial banks.