商业银行治理与贷款选择行为

The Commercial Bank Governance and Selective Behaviors on Loan

商业银行的公司治理结构影响银行的经营行为,影响商业银行的绩效。产权结构是一个集中反映我国商业银行公司治理特征的重要变量。国有商业银行和股份制商业银行资金所有者的不同,使得二者在资产规模选择、贷款行为以及面对风险的应对态度等方面有所不同,进而影响到商业银行的经营绩效。我国国有商业银行进行股份制改造,完善国有商业银行的公司治理结构,对提升我国商业银行整体实力、促进经济持续稳定发展有重要意义。

The corporate governance of commercial bank affects the operation of commercial bank and the performance of the bank. The property structure is one of the most important variables which embody the character of corporate governance of commercial bank. The difference between the owner of state-owed commercial banks and joint stock banks make the two types of banks different in choosing asset scale, loan, and the attitude to the risk, which will influence on the performance of the commercial banks. The share-holding system reform of state-owned commercial banks and improving the structure of corporate governance in commercial banks are significant steps to improve the power of commercial banks and development of economy.