English
Based on the previous research and analysis, it can be seen that commercial banks optimize the core capital structure and establish a relatively centralized ownership structure is an important measure to improve their own business level. China's commercial banks should control the ownership structure within a reasonable range of moderate concentration, neither too concentrated to form a dominant situation, nor too scattered. If the proportion of the largest shareholder is too large and has absolute control, other small and medium-sized shareholders cannot supervise and restrict it. There is a lack of separation of powers and checks and balances among shareholders, and the internal control of commercial banks does not play its due role, which is easy to cause the lack of rationality of commercial banks' business decisions, which will damage the interests of small and medium-sized shareholders to a certain extent. Although the relatively dispersed equity is conducive to the capital circulation of commercial banks, if it is too dispersed, it will lead to the loss of the voice of shareholders and the loss of binding force on the operation and management of commercial banks, which is not conducive to giving full play to the decision-making power of shareholders on the operation and decision-making of commercial banks. It is easy for the operation and management to make profits for themselves by using the remaining decision-making power, and can not make the operation and decision-making of commercial banks completely from the interests of shareholders, Damage the interests of shareholders. Therefore, we must optimize the existing ownership structure, strive to achieve the best state of the ownership structure, ensure that multiple major shareholders and between major shareholders and managers can realize mutual restriction and mutual supervision, so as to form the sharing and use of the control power of commercial banks, limit the maximization of the interests of the first major shareholder, ensure the interests of minority shareholders, and make business decisions to balance the interests of all parties, Promote the improvement of business performance of commercial banks. At the same time, China's commercial banks can appropriately increase the shareholding proportion of overseas strategic investors, realize the diversification of investors and improve the core capital structure. First of all, strategic investors generally have strong strength and can provide sufficient capital guarantee for China's commercial banks. Secondly, strategic investors have sufficient investment experience and mature investment ideas, which can give more long-term consideration to the existing business model and future development direction of commercial banks. To a certain extent, they can avoid the occurrence of commercial banks' pursuit of short-term speculative profits only for immediate interests, and promote the long-term, healthy and sustainable development of commercial banks. At the same time, strengthening the cooperation with overseas third-party investment institutions plays a positive role in promoting the growth and development of China's commercial banks. At the same time, it can further optimize the corporate governance system and governance structure of China's commercial banks, improve their competitiveness, accelerate the integration with international banks, and promote the development of the international market of China's commercial banks.Japanese language
従来の研究と分析に基づいて、商業銀行がコア資本構造を最適化し、比較的集中化された所有権構造を確立することは、彼ら自身のビジネスレベルを改善する重要な処置であることがわかる。中国の商業銀行は合理的な範囲の適度な集中の範囲内で所有権構造をコントロールしなければならない。最大株主の割合が大きすぎて絶対的な管理があれば、他の中小株主は監督することができない。株主の間では、権力の分離と小切手と残高の欠如があり、商業銀行の内部統制はその役割を果たしておらず、中小銀行の利益をある程度損なうことになる商業銀行の決定の合理性の欠如が容易である。比較的分散された株式は商業銀行の資本循環に資するが、あまりに分散していれば、株主の声の喪失と商業銀行の運営・運営における拘束力の喪失につながる。商業銀行の経営・意思決定について株主の意思決定力を十分に発揮することはできない。経営や経営は、残りの意思決定力を利用して利益を得ることができ、株主の利益から完全に商業銀行の経営や意思決定を行うことができず、株主の利益を損なうことはない。したがって、我々は既存の所有権構造を最適化しなければならなくて、所有権構造の最高の状態を成し遂げるために努力しなければならなくて、複数の主要な株主と主要な株主と管理者の間で相互銀行の管理力の共有と使用を形成するために相互の制限と相互管理を実現することができることを確実としなければなりません。第一主要株主の利益の最大化を制限し、少数株主の利益を確保し、すべての当事者の利益をバランスさせるためのビジネス決定を行い、商業銀行の業務遂行の改善を促進する。同時に、中国の商業銀行は、適切に海外の戦略的投資家の株式保有率を高めることができ、投資家の多様化を実現し、コア資本構造を向上させる。まず第一に、戦略的投資家は一般に強い強さを持ち、中国の商業銀行に十分な資本保証を提供することができる。第二に、戦略的な投資家は十分な投資経験と成熟した投資アイデアを持っています。そして、それは商業銀行の既存のビジネスモデルと将来の発展方向により長期の考慮を与えることができます。ある程度まで、彼らは商業銀行の即時投機的利益の即時の利益のための唯一の利益を追求し、長期的で、健康的で持続可能な商業銀行の開発を促進することができます。同時に、海外の第三者投資機関との協力を強化することは、中国の商業銀行の成長と発展を促進する上で積極的な役割を果たします。同時に、中国の商業銀行のコーポレートガバナンス体制とガバナンス構造をさらに最適化し、競争力を高め、国際銀行との統合を加速し、中国の商業銀行の国際市場の発展を促進することができる。
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