Research On The Optimization Of The Governance Structure Of Small And Medium-sized Commercial Banks

In recent years,frequent risk events of small and medium-sized commercial banks have become a heated topic in society.Most of the risk events are results of corporate governance failures.A good corporate governance structure is effective in small and medium-sized commercial banks’ operation risk reduction.Hence,it stands as an urgent demand for China’s small and medium-sized commercial banks to optimize their corporate structures.This thesis integrates corporate governance theory and financial theory considering the particularity of small and medium-sized commercial banks,adopts the research methods of literature analysis and case analysis,and takes C city Commercial bank as an example to conduct a deep research about the equity structure,governance structure,governance mechanism,governance entity and other corporate governance information,pointing out the current problems and reasons for the corporate governance of C City Commercial Bank.Meanwhile,combined with corporate governance theory and practical experience in international corporate governance,optimization measures for corporate governance problems are put forward.Based on this,the optimization strategies for corporate governance of small and medium-sized commercial banks are summarized:First,upgrade the ownership structure,realizing power balance;second,enhance the performance ability of the corporate governance subject,bringing into full play the supervisory functions of the three meetings and one level;third,optimize the operating mechanism,improving the operational efficiency and strengthening the risk control management;fourth,level up the corporate governance outer environment of the commercial bank,and effective regulatory systems and mechanisms must be established by government and supervisory agencies.Only by the joint management of internal and external mechanisms can the optimization of the corporate governance structure of small and medium-sized commercial banks be upgraded and the relationship among the stakeholders be coordinated,reducing the operation risks and realizing the high-quality development of small and medium-sized commercial banks.This thesis is of guiding significance for C City Commercial Bank in its corporate governance structure improvement,and provides a reference for other small and medium-sized commercial banks in their corporate governance structure optimization to some extent.