论文标题:国有商业银行股份制改造与上市研究
Shareholding Reform and Listing of State-owned Commercial Banks
论文作者
论文导师 胡国晖,论文学位 硕士,论文专业 金融学
论文单位 武汉理工大学,点击次数 140,论文页数 53页File Size2851K
2006-11-01论文网 http://www.lw23.com/lunwen_94035652/
state-owned commercial banks; shareholding reforms; coming on the market;initial public offerings
国有商业银行是我国金融体系最主要的组成部分，支配着我国金融体系中的绝大部分金融资源，在国家经济建设中发挥着举足轻重的作用。然而，随着经济与金融改革的不断深化，国有商业银行自身深藏的一些矛盾和问题开始暴露出来，如不良资产比例较高、资本充足率较低和经营业绩不甚理想等。随着2006年金融业全面对外开放的到来，中国经济和社会受全球化的影响将越来越大。在这种情况下，我国的国有商业银行开始进行彻底的股份制改造，并相继在资本市场上市，从而开始真正建立起“产权明晰，权责明确，政企分开，管理科学”的现代银行制度。 本论文在综述理论界对国有商业银行改制与上市这一问题的看法和观点的基础上，论述了股份制改造与上市的意义，又通过对国际大银行股权分散情况进行分析，总结了国外股权多元化原因，及对我国商业银行股权改革的启示；并对我国目前已经上市的国有商业银行的改制与上市过程进行了详细的分析，总结了国有商业银行在明确的改制思路指导下，结合自身特点，选择有影响力的承销商，引进战略投资者进行全球推介，成功实现上市的经验，同时也指出了不良贷款过高、国内投行缺失等不足之处；最后，讨论了国有商业银行改制上市后存在的问题，诸如不良资产处置、风险防范、资本充足率、公司治理、信息披露、相关法律完善等问题进行了深入的探讨，以期能对国有商业银行探索未来的发展方向有所帮助。 本文的创新之处则主要体现在对银行股份制改造和上市的过程进行了分析：从财务重组，引入战略投资者和IPO首发上市三个方面全方位地分析国有商业银行的股份制改造和上市，并在一定程度上从理论上上总结了我国国有商业银行，股份制改造以及上市的一般性规律，从实践上分析了国有商业银行在股份制改造和上市过程中的利弊得失。
The state-owned commercial banks are the most important part of our financial system, dominating the financial resource as the most important part of financial system in China, have been playing an outstanding role in the national economic construction. However, with the constant reform of economy and finance, a few conflicts and problems hidden deep in the state-owned banks have begun to occur, such as the high rate of non-performing capital, the lower capital adequacy ratio, poor management, the bad support to the enterprise and etc. Therefore, at the approach of financial opening to the outside in 2006, Chinese economy and society have been more and more influenced by the globalization and have become more and more prominent. Under such condition, there should be a thorough shareholding reform within the state-owned commercial banks, on the basis of which the banks are allowed to come onto the capital market, and thus set up a modern banking system featuring "clear property rights, clarified right and responsibility, separated government and enterprise, scientific management".Firstly, based on the most experts" views on the above mentioned problems, this paper reviews the present situation of overseas commercial banks, and the significance from two aspects of shareholding reforms and coming on the market; Then, the most part of this article is the analyze and the gradual summary of state-owned commercial bank"s reforms; and it gives the success experiences of the reforms and shareholding, in the same time, and the short comes; Finally, it discusses the issue which the state-owned commercial banks must face, Then it suggests that a better way of changing the present status should start to reform the shareholding system and put it onto the market by analyzing the current existing problems and deficiency in the state-owned commercial banks in China; hoping to explore the future development direction to the state-owned commercial bank.
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