高管社会资本与银行风险承担行为研究

发布时间：2018-04-02 22:10

本文选题：商业银行　切入点：高管　出处：《中南大学》2013年硕士论文

【摘要】：摘要：金融危机后,各国政府普遍加强了对银行风险的监管,而了解影响银行风险承担行为的各种因素是有效监管的前提。中国是“关系型”社会,“关系”在中国经济活动中扮演很重要的角色,而对于发展尚不健全、市场化程度有待提高的银行业而言,“关系”的影响尤为突出。很多“关系”会影响银行风险承担行为,而其中最重要、最能对银行风险承担行为产生影响的应是银行治理层和管理层与利益相关者间的关系,即银行高管社会资本,而其中对风险承担行为影响最大的应是银行高管与政府部门建立的关联(政治关联)和与金融企业或机构间建立的关联。故本文从高管政治关联和金融关联的角度,研究银行高管社会资本与风险承担行为间的关系,为相关领域研究提供新的视角和实证证据,为监管者制定政策提供依据。本文包含图1幅,表25个,参考文献107篇。本文首先评述已有文献,界定社会资本和银行风险承担行为的概念,并确定了度量高管社会资本和银行风险承担行为的指标体系。然后,以我国32家商业银行2007年到2012年的数据,实证研究高管政治关联与银行风险承担行为间的关系,考虑上市与否对这一“关系”的影响,以及对比不同类型“高管”的政治关联在影响银行风险承担行为上的不同表现。接下来,研究高管金融关联与银行风险承担行为间的关系,在上一部分的基础上,考查政治关联对这一“关系”的影响,并比较了政治关联和金融关联在影响银行风险承担行为上的不同作用。最后,总结本文的研究,为政府(尤其是银行业主管部门)监管银行风险提出了政策和建议。本研究在研究视角、研究内容和指标设计等方面有一定的创新性,能为理论界提供非常好的研究参考,和为实务界尤其是银行业监管部门控制银行风险提供良好的借鉴。
[Abstract]:Absrtact: after the financial crisis, the governments of various countries have generally strengthened the supervision of the bank risk, and understanding the various factors that affect the risk-bearing behavior of the bank is the premise of effective supervision.China is a "relational" society, "relationship" plays a very important role in Chinese economic activities, but for the banking industry, whose development is not perfect and the degree of marketization needs to be improved, the influence of "relationship" is particularly prominent.Many "relationships" will affect the risk-bearing behavior of banks, and the most important one is the bank governance and the relationship between management and stakeholders, that is, the social capital of bank executives.Among them, the most significant impact on risk-taking behavior should be the relationship between bank executives and government departments (political connections) and financial enterprises or institutions.Therefore, this paper studies the relationship between social capital and risk-taking behavior of bank executives from the perspective of political and financial connections, provides new perspective and empirical evidence for the research of related fields, and provides the basis for regulators to formulate policies.This paper includes 1 figure, 25 tables and 107 references.This paper first reviews the existing literature, defines the concepts of social capital and risk-taking behavior of banks, and determines the index system to measure the social capital and risk-taking behavior of banks.Then, based on the data of 32 commercial banks from 2007 to 2012, this paper empirically studies the relationship between the political association of senior executives and the risk-taking behavior of banks, and considers the influence of listing or not on this "relationship".And contrasts the different types of "senior executives" in the impact of different types of risk-bearing behavior in the performance of the bank.Next, we study the relationship between the financial association of senior executives and the risk-taking behavior of banks. On the basis of the previous part, we examine the influence of political association on this "relationship".The paper also compares the different roles of political association and financial association in influencing the risk-bearing behavior of banks.Finally, this paper summarizes the research, and puts forward some policies and suggestions for the government (especially the banking authorities) to supervise the bank risk.This research has some innovation in the research angle, research content and index design, which can provide a very good reference for the theoretical circle, and for the practice, especially for the banking supervision department to control the bank risk.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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