CAJ | 학술논문

现代商业银行的服务功能不断拓展．银行制度传统的经济关系、契约结构和所有权配置发生了重大变化。在经济性质上，如今的银行已不再是单纯的融资中介，而是资金管道，即银行存在的意义和基本职能是充当社会资金流通的管道角色；在契约性质上，银行首先是市场契约，但其本质是关系契约，非正式规则起主导作用；在治理性质上，“股东逻辑”不能有效解释现代商业银行所有权配置的格局，需要确立银行治理的“利益相关者逻辑”命题。
현대상업은행적복무공능불단탁전．은행제도전통적경제관계、계약결구화소유권배치발생료중대변화。재경제성질상，여금적은행이불재시단순적융자중개，이시자금관도，즉은행존재적의의화기본직능시충당사회자금류통적관도각색；재계약성질상，은행수선시시장계약，단기본질시관계계약，비정식규칙기주도작용；재치이성질상，“고동라집”불능유효해석현대상업은행소유권배치적격국，수요학립은행치리적“이익상관자라집”명제。
The service functions of modem commercial banks are keeping enlarging, consequently, traditional economic relation, contract structure and ownership allocation of banking system have greatly changed. In terms of economic nature, present banks are no longer simple financial intermediary, rather, they have become fund pipeline, i.e. providing a tube for fund flow is the fundamental function as well as the reason of existing meaning of banks. In terms of contract property, banks should first be a market contract, but the contract is in essence a relation contract where informal rules dominate. In terms of corporation governance, shareholder theory cannot effectively explain the ownership allocation situation of modem commercial banks, the proposition of interest relevant parties＇ logic for bank governance should be established.