Study On Corporate Governance Of C City Commercial Banks

After the 2008 financial crisis,countries around the world began to pay attention to the supervision of the banking industry,especially to make up for the deficiencies in corporate governance.The BCBS issued Principles for enhancing corporate governance in 2010,which clarify the supervision responsibility and explain the role of stakeholders and market participants in strengthening corporate governance.During the rapid development,more problems associate with corporate governance have been exposed in China's commercial banks.Compare with large banks,city commercial banks start late,but develop rapidly.This play an important role in optimizing the competitive pattern and enhancing the vitality of the banking industry.We think,the study on C city commercial bank can further promote its high-quality development.Firstly,we summarize a large number of studies on corporate governance of commercial banks,and induce the basic framework.Secondly,combine personal work practice with data collection,we know the basic information of C bank,such as ownership structure,stock right management,governance structure,information disclosure,related party transactions,incentive mechanism.It lays a foundation for a comprehensive analysis.Finally,through the evaluation of corporate governance,refer to the advanced practices of corporate governance models of major commercial banks,we can further explore the corporate governance of C bank.This paper summarizes three problems of C bank in corporate governance: equity management,governance subjects and governance mechanism.Firstly,the unreasonable shareholding structure and the invisible control of local government lead bank to become shareholders' ATM,which is extremely easy to damage the interests of minority shareholders.Shareholders and equity management is not standardized,hide huge risks.Secondly,effective and balanced governance structure is important.The directors,supervisors and managers cannot perform their respective functions,makes it difficult to form a joint force on the bank's development and risk management,thus making it difficult to promote sustainable and healthy development.Finally,although modern governance structure have established,the unsound governance mechanism makes it difficult to play a real role.Based on the analysis of problems in C bank,we thought deeply and explored solutions.C bank should furtheroptimize its equity structure,strengthen equity management,standardize shareholder behavior,which is conducive to cultivate a good corporate governance environment.From the perspective of balance,C bank should improve the corporate governance structure,such as the directors' function construction,supervision mechanism and innovative working mechanism.In addition,pay attention to the long-term development,establish their own suitable incentive mechanism,strengthen the management of connected transactions and improve information disclosure mechanism.Finally,based on the particularity of banks,it is necessary to insist common governance with the participation of stakeholders,and build a effective risk management and internal control mode.The improvement of corporate governance cannot be achieved without capital and manager market constraint,as well as the promotion of regulatory authorities.It is the trend to attach equal importance to market constraints and external supervision.