我国商业银行资本结构与风险实证关系研究

The Empirical Study on the Relationship Between Capital Structure and Risk of Commercial Banks in China

为了探究商业银行各级资本与风险之间的关系,文章通过对影响机理的理论分析和银行经营数据的实证检验,得到银行前十大股东持股比例与银行风险成正比,已上市流通股比例和附属资本额与银行风险成反比的结论,并针对该结论提出了促进我国商业银行稳健发展的建议。

In order to explore the relationship between capital structure and risk in commercial banks, the influence that risk affected by capital structure will be discussed in theory and studied empirically with actual data in this paper. Finally, the conclusion will be drawn that the shareholding of top ten shareholder is proportional to the bank risk, and both the proportion of listed shares and affiliated capital is inversely proportional to the bank risk. What＇s more, the suggestions will be proposed to promote the steady development of commercial banks in China aiming at this conclusion.