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国有商业银行如何在一级法人体制下搞好分级经营管理,这是目前国有银行规范运作必须要解决的现实问题。作者认为:只有首先竖持和强化总行一级法人制度,才能保证各分支行经营规范操作,这是一个重要前提条件。作者还进一步分析了当前一级法人体制下分级经营中出现的种种问题,并提出了解决这一问题的具体对策,即按现代公司制原理构建国有商业银行的产权制度,从根本上解决总行一级法人制的缺陷。此外,文章还对完善国有商业银行一级法人分级经营的组织管理体系、经营机制、激励约束机制作了探讨。
How the state-owned commercial banks can do a good job of management at different levels under a one-level legal person system is a realistic problem that must be solved before the state-owned banks regulate their operation. The author thinks: Only by first upholding and strengthening the first-level legal person system at the head office can we ensure that all branches and sub-branches operate standardized operations. This is an important prerequisite. The author further analyzes the various problems that have emerged in the classified management under the current one-level legal person system and puts forward specific countermeasures to solve this problem, namely, building the property right system of the state-owned commercial banks according to the principle of modern company system and fundamentally solving the problem of one Level legal system defects. In addition, the article also discusses the perfection of the organizational management system, management mechanism and incentive and restraint mechanism of the classified management of state-owned commercial banks at the first level.