The Quality Of Supervision, Political And Legal Environment And Commercial Banks Risk-taking

This paper analyzes the impact of regulatory quality, political and legal system environment and commercial bank risk taking behavior of related research were systematically collated and summarized, and introduced in 1999 to 2012 annual inspection, the data from Bankscope database include 93 countries worldwide, a total of 4498 commercial banks as sample, using the fixed effect modelof the classic,empirical analysis of the quality supervis ion and the liability of political and legal environment for the commercial banks-risk-taking impact.The empirical results of this paper are as follows. Firstly, the quality of the su pervisioningeneral lack of inhibition in commercial banks risk-taking, and the commercialbanks to reduce risk. But the single political environment system environmentalfactors did not as what we expected that the risk of comme rcial banks assume presenceof inhibitory or constraint, but to bear more risk. And the thirdly, the effects of cross effect of three kinds of system factors analysis shows that on the operation of commercial banks set harsh conditions to super vision and thematched of political and legal environment, will increase the risk-takings of a commercial banks.Consider of the current situation of China, whether it is considered or not, the interests of the depositors of the stability of the financial and economicsystem, it is necessary to enhance the quality of supervision of commercial banks, and supporting to improve the political and legal system environment,the inhibition of the commercial banks risk taking behavior is particularly important.