The Study On The Safety Of State Owned Banks’Assets

The safety of the state owned banks’assets has a wide range of all walks of life to attract public attention. However, people focus on the security of the amount of the state owned banks’ assets, but not the risk taking. Hence, people don’t have a better scientific interpretation of safety, and then don’t have a better management on the safety of the state owned banks’assets. Standing on the angle of risk, which correspond to security, this dissertation starts from the definition of safety, and makes a comprehensive and scientific research on the safety of the state owned banks’ assets. By measuring the risk the state owned banks’assets bear, this dissertation makes a further study on the factors which affect the banks’risk taking, and combines with the conclusion of this empirical research, this dissertation presents a lot of effective policy recommendations on how to strengthen the security of the state owned banks’assets. In addition, from the angle of management and supervision of the state owned banks’assets, this dissertation proposes a lot of policy suggestions to strengthen the security of the state owned banks’ assets.Banks’risk taking have a significant effect on the safety of banking system to a country, and the safety of the banking system have a significant effect on financial security to a country. Therefore, the safety of the state owned banks’ assets play an important role to the banking system security and financial security. During the financial crisis in2008, government ease financial crisis by hold more banks’shares, through which people have a clearer understanding that the safety of the banks’assets play a significant role to financial security. The safety of the state owned banks’assets is not only related to the value of a nation’s wealth, but also related to financial development and economic development in a country. Only in the safety environment, the national economy will attain a steady development.Most of the state-owned financial assets are state-owned banks’assets, if we solve the safety of the state owned banks’ assets, to a large extent, solve the safety of state-owned financial assets. The safety of the banks’assets depend on the banks’risk taking to a great degree, therefore, this dissertation studys on the safety of the state owned banks’ assets, the key is to study on the risk taking of the state owned banks’ assets.At first, this dissertation measured the risk taking of banks through the volatility of earnings by total assets, the volatility of the returns in stock market and the uncertainty of banks’assets. The second, we make a contrast on banks’risk taking between state-owned banks and non-state-owned banks. The third, we study on the relationship between ownership structure and risk taking, bank loans and risk taking, asset allocation and risk taking, income structure and risk taking. We try to find the effective way to put forward improving the safety and efficiency of state-owned assets from the management. At last, this dissertation also makes a study on the supervision status of the state owned banks’ assets. We try to find out the existing problems in supervision, and present the effective measures to improve the safety and efficiency of state-owned banks’assets, in order to protect the safety of the state owned banks’ assets better.The first chapter is the introduction, which mainly introduce the background and meaning of the research. At the same time, we define the scope of this article, put forward the thinking and the research methods, and puts forward the points of innovation and insufficient.In the second chapter, we make a comprehensive review of the research at home and abroad, and make a comprehensive evaluation.In the third chapter, we make an introduction on related theories. Mainly include the theory of investment decentralization, the theory of asset specificity and the theory of principal-agent. In addition, this part introduces the theories of risk measurement, includes variance theory and the theory of capital asset pricing. The theories of risk measurement are the theoretical basis to measure bank risk taking.The fourth chapter makes a research on the safety situation of the state owned banks’ assets. In this part, we mainly introduce the methods used in this dissertation to measure banks’ risk taking, and make a comprehensive contrast on risk taking between the state-owned banks and non-state-owned banks. Meanwhile, we also use a single factor analysis to compare the differences of risk taking between state-owned banks and non-state-owned banks.The fifth to the eighth chapters makes a key research on the relationship between ownership structure and risk taking, characteristics of loans and risk taking, asset allocation and risk taking, and income structure and risk taking. In this part, we make a comparison on the ownership structure, characteristics of loans, asset allocation and income structure between state-owned banks and non-state-owned banks. Connecting with the results of this empirical study, this dissertation presents a lot of effective measures on strengthen the safety of state-owned banks’ assets and improve the efficiency of asset allocation. This part of the study not only provides effective suggestions to improve the safety of state-owned banks’assets, but also provides evidence to support the suggestions.The ninth chapter studies the relationship between assets supervision and security. In this part, we make a research on the state-owned banks’ assets, includes the present situation of management system and the management pattern, the supervision to state-owned banks’assets, and the existing problems on supervision and management.The tenth chapter is a summary of this research, In this part, the main goal is to make a review of the results of this research, and make a brief analysis, and proposes a lot of policy suggestions to strengthen security of the state owned banks’assets. In this part, we provide suggestions from governance and supervision. On the one hand, we provide suggestions from the balance of ownership structure, improve the efficiency of asset allocation, strengthen the control of bank loans and develop non-traditional activities. On the other hand, we provide suggestions from assets supervision to strengthen the safety and profitable of the state owned banks’assets.