中小银行打造现代公司治理体系路径探索

Core Viewpoint - The article emphasizes the importance of improving corporate governance in small and medium-sized banks in China to ensure their sustainable development and enhance their role in supporting local economies and small enterprises [1]. Summary by Sections Importance of Improving Corporate Governance - Enhancing decision-making quality and efficiency is crucial for local banks, which benefit from shorter and more frequent decision cycles. A robust governance structure can strengthen this advantage [2]. - Effective corporate governance helps in risk prevention by regulating shareholder behavior and managing related transactions, thereby reducing regional financial risks [2]. - Improved governance leads to greater transparency in information disclosure, which can attract quality strategic investors and expand capital sources for banks [2]. Issues in Corporate Governance - Problems with shareholder structure and management include issues like hidden affiliations and inadequate scrutiny of shareholder qualifications, leading to potential violations in related lending [3]. - Governance bodies often fail to perform their duties effectively due to concentrated or dispersed ownership, ineffective independent director systems, and limited supervisory roles of the supervisory board [3]. - Insufficient information disclosure practices hinder investors' understanding of banks' true operational conditions, while external supervision mechanisms are inadequate [3]. Relationship with Local Governments - Local governments play a significant role in the establishment and business expansion of small banks, but over-reliance can lead to deviations from market principles and increased credit risks [4]. - There is a lack of sustained support from local governments, and communication gaps exist between banks and local authorities, affecting cooperation and understanding of economic needs [4]. Measures to Improve Corporate Governance - Optimizing the shareholder structure by diversifying ownership and introducing strategic investors can create a balanced governance ecosystem [5]. - Strengthening the responsibilities of the board of directors and supervisory board is essential for effective governance, ensuring independent oversight and accountability [6]. - Establishing a standardized information disclosure framework and enhancing digital capabilities can improve the effectiveness of disclosures and build market trust [7]. Managing Relationships with Local Governments - Small banks should support local economic development while maintaining independent governance structures to avoid excessive administrative interference [8]. - Establishing regular communication with local governments can help banks align their strategies with regional development plans, ensuring mutual benefits [8].