The Study On Mechansim Of Commercial Bank’s Ownership Structure On Credit Risk

Ⅰ. The main contents of the dissertationReflecting the reason of southeastern Asian financial crisis, many scholars attribute it to the serious problems of bank’s ownership structure. Meanwhile, the entire openness of financial services at the beginning of 2007, is alerting us the problems faced by China’s commercial banks, the necessity of the systematic research of the commercial bank’s ownership structure and the importance of its reform, especially on the aspect of preventing the credit risk.According to the three different types of bank’s ownership structure, the Family Group held type, Government-controlled type, and the widely held type, this dissertation studies their mechanisms and the influences on the credit risk separately.This dissertation is divided into six chapters.In the first chapter, research background, significances, methods and technical routes of commercial bank’s credit risk mechanism is described, from the perspective of ownership structure. And it also systematically elaborates domestic and international literatures on the mechanism.Chapter Tow reviews the concepts of commercial bank’s credit risk and ownership structure, describing the features of credit risk and the different types of ownership structure.Chapter Three is the emphasis of this dissertation, focusing on the commercial bank’s credit risk mechanism, from the perspective of ownership structure. Firstly, it gives an overview of current studies on the characteristics of bank’s ownership structure. Secondly, it focuses on the Family Group held structure type’s mechanism on the bank’s credit risk. Thirdly, it emphasizes on the Government-controlled structure type, analyzing its influence on the bank’s credit risk. Fourthly, it takes a brief analyst on the widely held ownership structure’s mechanism.In Chapter Four, empirical research is studied on the credit risk of China’s listed commercial banks. It gives a brief descriptive statistical analysis on the development process of bank’s ownership structure and its current status. And then uses 2005-2009 14 listed commercial banks’relevant annual data, demonstrating and strengthening the views of the mechanism of ownership structure on bank’s credit risk.Chapter Five gives several suggestions and proposals on the reducing and avoiding the credit risk, based on the above analysis of bank’s ownership structure.And then, the overall structure and the main points of this dissertation is concluded in the last chapter.II. The main innovation of this dissertationFirstly, the dissertation studies the bank’s credit risk from a unique perspective, the unhealthy ownership structure. Secondly, the framework of the research is relevant innovative, including all the main types of ownership structure. Thirdly, the combination of various research methods is another characteristic.