| In recent years, the U.S. subprime mortgage crisis gradually evolved into a global financial crisis, which causes a scale of Banks m&a or governmental taking over and even falls into bankruptcy. Loaning to subprime borrowers and loans institutions play a key role in the U.S credit crisis, because the incompetence for these subprime borrowers to make the reimbursement on time may lead bankrupt for those bankers. Risk exposure breeds the existence and development as well as the prosperity for the bankers. When this fact is concerned, frequent bank crisis make people more profoundly understand to the significance for the good corporate governance in the controlling bank risk. Therefore, the corporate governance of commercial has important function to the operation and development of the bank, at the same time, the bank risk exposure is also be raised into the agenda, and becomes the focusing of relevant scholars, departments and the government domestically and all over the world.At present, the research of corporate governance of commercial bank management performance problems and the relationship between literature is more, and for commercial bank of corporate governance and bank risk bearing research of the relationship between literature and not many, especially the internal governance mechanism study only alone with bank risk bearing of the relationship between the literature more rare. Although at present to the foreign scholars related problems are being from the early qualitative research in the practice application to the quantitative research process, but because our country special economic system and commercial Banks had just completed the specific conditions of the shareholding system, both of the relationship between the empirical studies was just in a primary stage. Therefore, in the corporate governance of commercial bank as the research object, this paper discusses the risk and the bank, the relationship between the situation at the moment, the perspective is fairly new, is worth studying. And then get inspiration to corporate governance of commercial Banks in China provide beneficial Suggestions.In this paper to the management theory, the corporate governance of commercial bank and the bank risk theory and relationship between the related theory and based on the literature review, the selection of our country and listed the data in the annual report of the bank, and then to build a model, data statistics and analysis (related analysis, multiple regression analysis, etc.), a deep research on corporate governance of commercial bank internal factors of the influence of bank risk, to make it clear what factors to the level of risk bank will affect, and then obtain the enlightenment, so as to corporate governance of commercial Banks in China provide beneficial Suggestions.This paper with the qualitative and quantitative analysis, the standard and empirical combination of research method, this paper analyzes the our country commercial bank’s internal factors of the influence of bank risk. This research mainly is arranged as following:Chapter1:Introduction. The paper introduced the research background, significance and purpose, at the same time, this paper puts forward the innovation points and the structure arrangement.Chapter2:Introduction to the theory of related. Includes general introduction to the theory of corporate governance of commercial bank and the risk introduction to the theory:that is in the general enterprise management theory of simple introduction of basis, according to the particularity of the banking industry, and analyzes the characteristics of corporate governance of commercial Banks, corporate governance of commercial bank introduced the basic principle, finally to bank risk bearing the meaning and the causes of the bank risks are summarized, and the related literature at home and abroad of existing research results are summarizedChapter3:Theoretical analysis. In the commercial bank’s governance mechanism on defining the first analysis of the commercial Banks internal management present situation, then respectively from the ownership institutions, organizations checks and balances mechanism and executives incentive mechanism of the bank this risk influence.Chapter4:The empirical analysis. Mainly includes the study design and empirical analysis of two parts. Study design mainly to the study sample data sources, variables, such as selection were explained, and proposed in this foundation the research hypotheses, this paper constructed the regression model. An empirical analysis of the main part of the sample data obtained by the statistics analysis, including the descriptive statistical analysis, variable related analysis and regression analysis.Chapter5:Conclusion and prospect. Through the theoretical analysis and the hypothesis of the relative validation, eventually got the conclusion of this paper. According to the conclusion, for the business bank of our country and optimization of corporate governance of commercial bank of risk control to put forward the policy SuggestionsBased on the comprehensive risk index (risk-weighted assets of the proportion of the total assets) measure of bank risk, with the2004-2010years of13listed bank as research samples, and SPSS software, build multivariate regression model analysis, the results show that the big shareholder control force and the bank risk is a significant positive correlation between the relations; The proportion of state-owned shares bank risk is a significant positive correlation between the relations; The size of the board and bank of risks exist between significantly positive correlation; The board of supervisors scale and the overall risk of bank is a significant negative correlation between; The proportion of independent directors to the influence of bank risk ID is not significant; The top three senior executives to pay levels and holding the overall risk of bank has no significant influence.This paper has main the innovation points as follows:1. To study the Angle of view of innovation. At present, the corporate governance of commercial bank to its business relationship between performance to the literature is more, and for corporate governance of commercial bank of the risk for the mechanism to the literature less influence. So this article is in reference of scholars have related on the basis of the related studies, commercial Banks internal control as the Angle of view, in consideration of the present situation and commercial bank had just completed the reality of the shareholding system, using the theoretical and empirical combination of methods to commercial Banks internal control and bank risk bearing of the relationship between research.2. In variable selection, this study abroad, most of it is to measure the bank of concrete risk, this paper is to explain the choice of variables, mainly USES the risk-weighted assets of the proportion of the total assets RWA, that is, from the overall risk of bank of the research. This is not only because the risk weighted assets to total assets is the proportion of advance index, can very good measure bank risk assets in engaged in the business of the overall risk facing, also because at present the governance structure of bank with the influence of the factors between study is less, the existing literature are mostly the specific risks of bank measure, such as credit risk and market risk, stock market overall risk, etc.3. In the domestic and foreign relevant research, the corporate governance of commercial bank and the bank risk bearing mostly in the literature of the key research ownership structure, and to the organization checks and balances mechanism and incentive mechanism of executives and less not deep, this article, based on the study of the related before key research organization checks and balances mechanism and incentive mechanism to bank executives the influence of risk, that is how many directors will mainly from the scale and the independence and executive pay, executive officers holding a research. |
PDF Full Text Request