A Study Of The Mechanism Of The Efect Of Commercial Bank Governance On Risk Management Capabilities

Commercial banks are the core of China's financial system.The impact of governance on risk management capabilities not only involves the risks of commercial banks,but also affects the overall situation of the national economy,and may even cause social instability.At present,although China's financial industry has the name of separate operations,there are mixed operations.The pressure on regulators has increased.Large-scale supervision has also emerged.The merger of the China Banking Regulatory Commission and China Insurance Regulatory Commission has become a reality.After the liberalization of interest rate liberalization,commercial banks have increased their risk.Against the background of systematic financial risks,it is of practical significance to study the impact of commercial bank governance on risk management capabilities.This paper focuses on the study of the mechanism of the influence of commercial bank governance on risk management,from internal governance to external governance.Through internal governance and external governance,the impact of risk management capabilities is studied to break through the limitations of internal governance research.In combination with external governance,based on the governance theory of modern commercial banks and the practice of commercial bank governance,we seek to govern the governance of commercial banks against commercial banks.The risk management mechanism.In the empirical aspect,the data of 10 listed commercial banks from 2010 to 2017 were selected.The stocks' volatility was the risk management capability.The ratio of the largest shareholder and the proportion of independent directors in the board of directors were internal governance factors,and the capital was sufficient.Rates and non-performing loan ratios are internal and external common governance factors and empirically demonstrate their impact on risk management capabilities.The empirical results show that the capital adequacy ratio and the non-performing loan ratio supervision indicator mechanism in the equity,independent directors,and supervisory factors all play a role,but the equity mechanism is not obvious.