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2011~2018年我国银行业国有金融资本管理:现状、问题与对策建议

作者:王刚 王伯英 尚博文 出版日期:2020年08月 报告页数:10 页 报告大小: 报告字数:8749 字 所属丛书:金融监管蓝皮书 所属图书:中国金融监管报告(2020) 浏览人数: 下载人数:

文章摘要:国有金融资本是国家及其授权投资主体直接或间接对金融机构出资所形成的资本和应享有的权益。银行是我国金融体系的主体,从布局看,国有金融资本在银行业分布最多,政策性银行和五家大型国有银行是其主要聚集地。从功能看,国有金融资本发挥了服务实体经济、防范金融风险、推进金融改革的关键作用。当前银行业国有金融资本管理体制存在两个突出问题:一是整体布局需要进一步优化,二是管理制度、授权经营和权责匹配机制有待完善。银行业金融机构公司治理架构虽已形成,但“... 展开

文章摘要:国有金融资本是国家及其授权投资主体直接或间接对金融机构出资所形成的资本和应享有的权益。银行是我国金融体系的主体,从布局看,国有金融资本在银行业分布最多,政策性银行和五家大型国有银行是其主要聚集地。从功能看,国有金融资本发挥了服务实体经济、防范金融风险、推进金融改革的关键作用。当前银行业国有金融资本管理体制存在两个突出问题:一是整体布局需要进一步优化,二是管理制度、授权经营和权责匹配机制有待完善。银行业金融机构公司治理架构虽已形成,但“形似而实不至”的情况比较突出。针对上述问题,本文建议:第一,以管好资本为核心,提高国有金融资本的管理效率;第二,统筹优化国有金融资本战略布局,提升国有金融资本的控制力;第三,以完善法人治理结构为重点,增强银行业国有金融机构内生动能。

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Abstract:State-owned financial capital is the capital and corresponding rights and interests that the state and its authorized investment entities contribute directly,or indirectly,to financial institutions. Since banks are the main part of China’s financial system,from the perspective of layout,most of state-owned financial capital is distributed in the banking industry,where policy banks and five large-scale state-owned banks are the m... 展开

Abstract:State-owned financial capital is the capital and corresponding rights and interests that the state and its authorized investment entities contribute directly,or indirectly,to financial institutions. Since banks are the main part of China’s financial system,from the perspective of layout,most of state-owned financial capital is distributed in the banking industry,where policy banks and five large-scale state-owned banks are the main centers. From the perspective of function,state-owned financial capital has played a key role in serving the real economy,preventing financial risks,and promoting financial reforms. However,there are still outstanding problems in the current state-owned financial capital management system of the banking industry that the overall layout needs to be further optimized and the management system,authorized operations,and the matching mechanism of rights and responsibilities need to be improved. Although the corporate governance structure of banking financial institutions has been formed,the situation,“Unworthy of the name”,is pretty prominent. To solve the problems above,this paper focuses on:(i)managing capital as the core and improving the efficiency of state-owned financial capital management;(ii)improving the control of state-owned financial capital and optimizing the strategic layout of state-owned financial capital;(iii)concentrating on improving the corporate governance structure and enhancing the vitality of state-owned financial institutions in the banking industry.

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作者简介

王刚:王刚,金融学博士后,研究员,中国社会科学院金融法与金融监管研究基地特约研究员,主要研究方向为金融风险管理、银行业监管、金融法等。

王伯英:王伯英,金融学博士后,中国人民大学学术期刊社编辑,主要研究方向为银行业改革发展、货币政策、财富管理。

尚博文:尚博文,对外经济贸易大学法学院硕士研究生,主要研究方向为金融法。