导 师: 赵家敏
学科专业: 020204
授予学位: 硕士
作 者: ;
机构地区: 暨南大学
摘 要: 本文通过深入剖析国有商业银行与政府、银行与企业、上级行与下级行等三种基本的委托—代理关系,指出国有商业银行改革的根本出路在于产权制度的创新—股份制改革。本文基于我国的国情,设计出我国国有商业银行股份制改革的合理的过渡模式是:有限责任母公司→股份有限子公司和有限责任子公司→股份有限孙公司→非独立分支行。此外,针对国有商业银行股份制改革的难点,提出相应的配套措施加以克服。 This article through deep analysis about the three principal-agent relationships between the state-owned commercial bank and government, bank and enterprise, main bank and its subsidiaries, points out that the best solution for the commercial bank reform is the revolution of property rights system-reform of shareholding system. The article basing our specified situation in China, designed the transition model for the reform of the commercial bank: limited parent company-shareholding subsidiary company and limited subsidiary company - shareholding grandson company -dependent branches. It also points out the relevant implements to solve the reform's problems.
关 键 词: 国有商业银行 产权制度 委托 代理 股份制改革
领 域: [经济管理—金融学]