The Research On Legal Issues Of The State-owned Commercial Banks’internal Governance Innovation In Our Country

Since the reform and opening-up in1970s,the State-owned Commercial Banks as the important backbone of our national economy have made a great contribution to the high-speed economic development.Former World Bank President James.D. Wolfensohn once said:"for the world economy, the perfect corporate governance is as important as sound governance."The reform and construction of the corporate governance is the key to the rapid development of the State-owned Commercial Banks.The internal corporate governance is the foundation of the corporate governance.Improving the internal corporate is the core of the development of the State-owned Commercial Banks.Without the perfect internal corporate governance, the effectiveness of corporate governance is out of the question.The subprime mortgage crisis of the United States led to the the international financial crisis sweeping the globe in2008.In the USA,the crisis have caused a lot of bad influence, not only mortgage investment companies,insurance companies,real estate companies have encountered bankruptcy reorganization,but also commercial banks have suffered from the unprecedented impact.The deep-seated reason for the outbreak of the financial crisis was that the problem of the corporate governance system have not been taken seriously.Although the State-owned Commercial Bank of our country has made great achievements,this does not mean that the state-owned commercial bank’s internal corporate governance is very perfect. At present,there are many problems in the company’s internal governance of the State-owned Commercial Banks in our country, property rights of the state-owned commercial banks remain be empty,and the state-owned commercial Banks did not realize the diversification of investment,and the government is still the main operation of state-owned commercial banks.If The State-owned Commercial Banks want to maintain the steady operation and healthy development in the fierce competition economic environment of the international market,improving the internal governance will be the inevitable choice of the State-owned Commercial Banks.Based on the analysis of the problems in the internal governance of the State-owned Commercial Banks in China,the analysis concluded that the direction of development of China’s State-owned Commercial Banks was determined by reforming and innovating the objectives and principles of the internal governance of the State-owned Commercial Banks,and proposing some specific systems,which are the introduction of private capital,optimizing the share-holding structure of the State-owned Commercial Banks,strengthening information disclosure,the establishment of a scientific incentive system,make the State-owned Commercial Banks more regulated,and make it become to the first-classic international banks.