Research On The Impact Of Ownership Structure Of Listed Banks On Risk Taking

The banking industry has not fully recovered after the financial crisis.In recent years,the more complicated financial environment and the development of modern digital technology have brought new challenges to the banks and brought new requirements to the traditional business.In order to adapt to the new environment and new policies,banks are struggling to cooperate with Internet companies and innovate products continuously.With the increasingly strict and perfect external supervision,the relationship between internal bank governance and risk taking has gradually become the focus of the country.A good corporate governance environment helps banks have greater ability to resist risks,and equity structure,the core content of corporate governance,is the key factor in determining how banks can better prevent and control risks.A good corporate governance environment makes banks have greater ability to resist risks,and onwership structure—as the core of corporate governance,is the key factor that determines how banks can better prevent and control risks.This article first points out the importance of a reasonable ownership structure for a country that is in the process of establishing a banking system with Chinese characteristics,give a simple definition of the ownership structure and the concept of risk exposure of listed banks.Second,it elaborates and analyzes the current ownership structure and risk taking status.There are still many problems in the ownership structure of our country.The phenomenon of "one big share" and over-concentration is still very obviously.Shareholders use power to conduct irregular operations frequently;once again,a model is used to conduct research and analysis.The results of the study show that the effect of ownership concentration on risk exposure is a positive "U" nonlinear relationship,that is,excessively concentrated or excessively dispersed ownership concentration is not conducive to the banks' risk reduction;The state's shareholding and strong equity balances helps to reduce the level of risk-taking;Maintaining a certain proportion of state-owned shares,increasing the proportion of legal person shares and social public shares also helps to reduce the bank's risk-taking level.Finally,based on the above analysis,the following suggestions are made on how to reduce the level of bank risk exposure by optimizing the shareholding structure:(1)Reduce the concentration of ownership and establish a shareholding structure that consists of "one share" to multiple shareholders.Concentrated equity and excessively dispersed equity cannot reduce the level of risk exposure of the bank.Only when the concentration of ownership is moderate can it guarantee the lowest risk.(2)The introduction of a diversified power structure should be introduced to prevent excessive administrative intervention by the state.On the basis of retaining a certain percentage of state-owned shares,other equity entities will be introduced to enrich the ownership structure and prevent excessive state intervention.(3)Improve the legal environment,establish a legal system that is conducive to optimizing the ownership structure,and strengthen the supervision of the company's internal governance,and impose severe punishments on violations.