China's current system of joint-stock commercial banks, the main problem Analysis

Body is concerned, there are still major deficiencies in the system the following:
1, the joint-stock commercial banks, shareholding structure is irrational, still a considerable proportion of state shares, although the establishment of joint-stock commercial banks in the beginning, it has clearly defined financial property rights, basically to establish a more reasonable corporate governance structure, the formation of the three authorities - shareholders, board of directors and the supervisory board, played a joint-stock commercial banks and standardize management, autonomous, flexible operation of the institutional advantages, the bank is doing well. But as time changes, and slowly found the behavior of these joint-stock commercial banks gradually to the four state-owned convergence of commercial banks, namely the institutional advantages of the diminishing marginal productivity trend has become increasingly apparent. Experts call this phenomenon "regression system." The main reason for this phenomenon is the joint-stock commercial banks in China are basically implemented based on public ownership The shareholding structure of the subject. This shareholding structure There are three main types: the first is for the stock holders and medium-sized enterprises, such as the Everbright Bank, the second is government investment and business investment combination, such as Bank of Communications, CITIC Industrial Bank, Industrial Bank, the third to the public offering and listing, such as Shenzhen Development Bank, Merchants Bank, Minsheng Bank, etc. as some joint-stock commercial banks are either relying on the background of a government department set up a top-down, either state-owned enterprises controlling, resulting ownership structure is irrational, there is "dominance" phenomenon, the power vacuum of the board of directors, the lack of independent scientific decision-making, governance structure is still more important embody the "cadres" principle, Board of Governors in the appointment there was no substantial say in how much the same time, a number of joint-stock commercial bank regulations refer to state-owned commercial banks is the version produced, who basically dug from the state-owned commercial banks over the operator's selection methods and incentives with the state-owned commercial banks is no fundamental difference. Over time, these joint-stock commercial banks also evolved into a small "workers and peasants in the building."
2, the governance structure of joint-stock commercial banks, the imperfect system resulting in joint-stock commercial banks have "internal control (Insider Control)". In public ownership as the main property rights model, the formation of a joint-stock commercial banks, corporate head office of the branch, branch of the branch multi-level principal-agent relationship. Although this principal-agent relationship is different from the kind of four state-owned commercial banks, the agency executive-style special, but the principal and agent between the information asymmetry, the interests of inconsistent and responsibilities asymmetry, it will also lead to high costs and management agency is not in place. joint-stock commercial bank supervision and the scarcity of resources is leading to "internal control" to generate the key reason for the joint-stock commercial banks lack sufficient external incentives to people access to information and the exercise of supervisory power is joint-stock commercial bank "internal control" generated another reason. Joint-stock commercial banks, inadequate governance structure is a direct result of government or state-owned enterprises as joint-stock commercial banks with the owner, joint-stock commercial banks and the lower line between the superior line, there are universal "internal control" problem, that basically do not bear the risk of property managers and staff to obtain a joint-stock commercial bank assets of de facto control and dominance. This makes the control and control over managers and employees may abuse behavior.

3, joint-stock commercial bank chain length, resulting in increased agency costs, weakening the binding mechanism with total branch system of joint-stock commercial bank, a corporate head office of the branch, branch and other branches of the delegation of authority and delegation of management, to form a joint-stock commercial banks within the head office to branch to branch up to the individual workers of the multi-level principal-agent relationship. This multi-level "principal - agent" chain, under the same corporate entity of the principal-agent both sides, The responsibility of the principal-agent relationships are often the target evaluation methods to be clear. On the one hand, the owner of the target layer in the layer distortion at all levels of agency, to convey to the grassroots levels to become agents of self-interest mixed with a mixture of the target; the other hand, the agent's primary goal, sometimes neither profit maximization, nor is the value of bank assets, but only by higher plan targets. Therefore, the objective existence of asymmetric information in the case, how to prevent the layers of managers to use information superiority to provide superior client false information, how to effectively monitor managers at all levels of the lazy and irresponsible, joint-stock commercial banks are facing an important issue.

4, China's joint-stock commercial banks, corporate culture, "people" based expression is not enough. Joint-stock commercial banks is knowledge and talent-intensive businesses, "person" in the operation of joint-stock commercial banks and Development plays an important role, therefore, joint-stock commercial banks corporate culture should play as a number of basic functions: orientation function, which can overall corporate culture and business values ​​and each member play a guiding role of behavior to conform to established corporate objectives, constraint functions, ie business cultural ideas of each employee, psychological and behavioral norms of binding and the role of the corporate members of the psychological resonance, and then produce the behavior of self-control, cohesion, that is, when one set of values ​​shared by the employees, after approval, it will be a glue, from all its members together, thereby creating a tremendous solidarity and cohesion, encouraging the role that corporate culture has to produce a corporate member of the high emotions from the heart and the effects of strenuous and enterprising spirit, radiation, that the corporate culture in a relatively fixed mode, will not only play a role within the enterprise, have an impact on the employees, but also through various channels on the social impact short, excellent corporate culture as the informal system , is an important support for the formal system, can stimulate the vitality of joint-stock commercial banks, joint-stock commercial bank employees induce a sense of responsibility, honor and dedication to improving the core competitiveness of joint-stock commercial banks play a crucial role. Links to free download http://www.hi138.com
Currently, the joint-stock commercial banks, corporate culture, "people" is not based expression, mainly in the following areas: lack of staff cohesion and cohesion, emotional divide between employees, mutual suspicion and prevention of psychological common sense of competition is stronger than the sense of cooperation, the staff job burnout issues outstanding, by the employment pressure on society and the impact of competition within the office, staff pressure, depression and depression were a few, mind worrying. Links to free download http://www.hi138 . com