伴随着我国经济的迅速发展，我国中小商业银行凭借其灵活多样的运行机制以及相关优势，为当地的经济尤其是中小企业的发展作出了不可磨灭的贡献，成为我国经济发展不可或缺的重要组成部分。
但在其发展道路上出现了一些绊脚石，其中公司治理问题最为突出。为了提升地方中小银行的竞争力，当务之急是要建立科学有效的银行公司治理机制。因此，深入研究我国地方中小银行的公司治理情况并探索出完善其公司治理的出路，对我国地方中小银行的持续健康发展有一定的理论意义和重要的现实意义。
本文尝试运用相关公司治理理论系统、全面地对中小银行公司治理，包括股权结构、董事会结构、激励机制以及外部公司治理的债权人监督等一系列问题分别进行更进一步的探讨，以期对地方中小银行的改革与发展提供参考。
关键词：地方中小银行；公司治理；股权结构
Abstract
With the rapid economic development,China’s small and medium-sized commercial banks have made an indelible contribution to the local economy especially to the small and medium-sized enterprises by its flexible,diversified operation mechanism and relative advantages,which are playing a more and more important role in the banking sector.Moreover,it is becoming an indispensable component part of China’s economic development.However,there are some stumbling blocks on its way to develop,of which the corporate governance issue is the most prominent.In order to enhance the competitiveness of local small and medium-sized banks,the urgent matter is to establish a scientific and effective bank corporate governance mechanism.Therefore,a deep research on the governance situation of local small and medium-sized banks and exploration on the way out of consummating the corporate governance has a theoretical and realistic significance to the small and medium-sized banks’sustained and healthy development.
This dissertation tries to apply modern enterprise theory and related theory of corporate governance system to fully govern city commercial banks and rural credit cooperative’s internal company including further exploration of ownership structure,board structure,incentives and other issues respectively with a view to provide reference for the reform and development of local small and medium-sized banks.
Key words: the regional small and medium-sized banks;corporate governance;
ownership structure
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