外国资本参与中国商业银行的股权结构优化问题Chinese Commercial Banks’ Shareholding Structure Optimization Problem with Participation of Foreign Capital
本文在回顾现今国内商业银行业背景和外资深入渗透到我国国有商业银行的情况的基础上，围绕着外资参股与国有商业银行股权结构优化问题，收集了大量信息和数据，对该问题进行了探究。
本文将国内外关于国有银行股改问题的理论和方法结合分析，并借鉴国外金融市场经验，理论联系实际，对在外资参股下我国商业银行股权优化过程中存在和将要面临的主要问题，如商业银行股份制改革的原因，股改进程中的主要潜在障碍，国有商业银行股份制改革的顺序安排，如何安排股权结构，国家控股权问题，以及改革过程中的风险及其防范等问题，提出相应的具有可操作性和符合我国现状的策略。
论文的分析研究和对国内上市商业银行的实证结果表明，在外资参股下，国有商业银行股份制改革的目标应该而且必须明确，这就是：建立现代商业银行制度，其基本要求是：建立明晰的金融产权结构和完善的法人治理结构。此外，股权结构优化对提高我国商业银行主要绩效指标具有积极的影响。我国上市商业银行要想提高资产的获利能力，提升银行的综合国际竞争力，必须在调整股权结构方面作如下努力：一是股权保持一定的集中度；二是减少国有股的控制力度，引入合格境外机构投资者。
关键词 外资参股,国有商业银行,股权优化,控股权,绩效指标
ABSTRACT…………………………………………………………………………
摘要（本论文范文的论文综述）…………………………………………………………………………………
1 Introduction ………………………………………………………………………
2 The Reasons of Reforming Chinese Commercial Banks…………………………
2.1 Reducing Capital Adequacy Ratio…………………………………………
2.2 Clarifying Ownership Structure from Intervention…………………………
2.3 Improving the Corporate Governance Structure……………………………
2.4 Promote the Development of Enhanced Capital Strength …………………
3 Major Issues Faced by Optimization
and Corresponding Suggestions………………………………………………
3.1 Major Issues and Critical Problems ………………………………………
3.1.1 Imperfect Internal Operating Mechanism
due to Bad Equity Structure…………………………………………
3.1.2 Low Capital Adequacy Ratio………………………………………
3.1.3 High Ratio of Non-performance Loans ……………………………
3.2 Some Measurements and Suggestions ……………………………………
3.2.1 Establish a Modern Financial Enterprise System……………………
3.2.2 Choices for Bank Capital Supplemental Mode ……………………
4 Strategic Arrangements for Reform
of Joint-stock Commercial Banks…………………………………………………
4.1 First Internal Reform, Restructuring and then Listing………………………
4.2 First Pilot, and then Comprehensive Promotion……………………………
4.3 First Corporate Take up Shareholdings,
then the Public Holds ………………………………………………………
4.4 First List Overseas and Latter List Domestic ………………………………
4.5 One Bank, One Policy ………………………………………………………
4.6 Time Arrangements for Reform………………………………………………
5 Shareholding Structure Arrangement Research ……………………………………
5.1 Whether or Not to Maintain
National Absolute Control? …………………………………………………
5.2 Strategy for Equity Structure Arrangement …………………………………
6 Analysis of Relationship between
Capital Structure and Listed Bank’s Performance …………………………………
6.1 Assumption……………………………………………………………………
6.2 Selection of Variables…………………………………………………………
6.2.1 Relatively decentralized indicators……………………………………
6.2.2 Commercial banks Performance indicators……………………………
6.3 Selection of Samples …………………………………………………………
6.3.1 Minsheng Bank China…………………………………………………
6.3.2 Merchants Bank of China………………………………………………
6.4 Statistic Analysis between
Capital Structure and Banks Performance……………………………………
6.4.1 Minsheng Bank China…………………………………………………
6.4.2 Merchants Bank of China………………………………………………
6.5 Outline for the Investigation …………………………………………………
7 Analysis of Risks in the Process of Restructuring
and Reform of Chinese Commercial Banks…………………………………………
7.1 Critical Risks…………………………………………………………………
7.1.1 Credit Risk ……………………………………………………………
7.1.2 Risk of Financial Regulation …………………………………………
7.1.3 Systematic Risk in Financial Market …………………………………
7.2 Actions to Control and Prevent Risks…………………………………………
8 Summary ……………………………………………………………………………
Reference List …………………………………………………………………………
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