政府股东、银行治理与风险承担

Government-Stockholder,Bank Governance and Bank Risk Taking

银行治理是银行业发展的核心,银行治理的漏洞一旦扩散,会大幅度提高银行风险、动摇金融系统的稳定性甚至打击实体经济。资本充足率水平和贷款质量是衡量银行风险的关键指标,是政策监管的核心。本文对中国74家上市银行和非上市商业银行2011—2014年年报数据进行研究,结果表明:股权集中度越高,银行的风险越低;政府控股有助于提高银行资本充足率水平;独立董事比例越高,银行的风险越低;最后,境外投资者持股的银行风险水平低于非境外持股的银行。

The development of banks is a key to industry expansion, corporate governance and capital allocation. Bank governance is the core of bank development, while capital adequacy supervision is an important part of national financial supervision. Does bank governance quality influence capital adequacy ratio？ And would bank governance qual- ity influence loan quality as well？ This paper examines the forming mechanism and the effects of bank governance quali- ty on capital adequacy ratio and loan quality by using 74 listed and non-listed commercial banks in China from 2011- 2014. The result shows that the higher the degree of equity concentration, the lower the risk of banks; the government stockholder will help to raise bank capital adequacy; the higher the proportion of independent directors, the lower the risk of banks; Finally, the risk level of foreign ownership banks is lower than non-ownership banks.