股权结构、信贷行为与银行绩效——基于我国城市商业银行数据的实证研究

发布时间：2018-03-03 21:13

本文选题：股权结构　切入点：独立董事　出处：《金融研究》2012年07期 　论文类型：期刊论文

【摘要】：本文基于2004～2009年城市商业银行数据,分析了我国城市商业银行的公司治理结构对其信贷行为、不良贷款和银行业绩的综合影响。本文研究发现股权结构是影响我国城市商业银行信贷行为和经营业绩的重要因素。第一大股东的控股能力越强,银行的不良贷款率越高,贷款集中度越高,经营绩效也越差;银行的大股东同样存在的"掏空"动机,第一大股东股权性质为地方政府的银行不良贷款率更高。而银行中的独立董事对银行大股东的"掏空"行为有着显著的抑制作用。我们还发现,股权结构会通过影响城市商业银行的贷款集中度和贷款流向影响银行经营业绩,从而揭示了股权结构影响银行绩效的作用途径和机制。本文的研究为银行公司治理与银行绩效之间关系提供了新的证据,同时对于加强我国城市商业银行的贷款风险控制、防范金融风险和加强金融安全也具有重要的现实意义。
[Abstract]:Based on the data of urban commercial banks from 2004 to 2009, this paper analyzes the corporate governance structure of urban commercial banks and their credit behavior. This paper finds that the equity structure is an important factor affecting the credit behavior and operating performance of urban commercial banks in China. The stronger the controlling power of the largest shareholders, the higher the non-performing loan ratio of the banks. The higher the loan concentration, the worse the operating performance; the same "hollowing" motivation of the bank's major shareholders. The first shareholder equity nature is that banks with local governments have a higher non-performing loan ratio. The independent directors of banks have a significant effect on the "tunneling" behavior of the bank's major shareholders. We also find that, The equity structure will affect the bank's operating performance by influencing the degree of credit concentration and the flow of loans to the city commercial banks. The research in this paper provides new evidence for the relationship between bank corporate governance and bank performance, and at the same time, it can strengthen the loan risk control of urban commercial banks in China. It is also of practical significance to prevent financial risks and strengthen financial security.
【作者单位】：对外经济贸易大学国际财务与会计研究中心/国际商学院;暨南大学管理学院;中国银行风险管理总部;
【基金】：国家自然科学基金项目(项目批准号:71102077,70972010,71032006) 教育部人文社科项目(项目批准号:11YJC630166,11YJA630134) 广东省自然科学基金项目(项目批准号:S2011040004337) 对外经济贸易大学教师学术创新团队资助项目对外经济贸易大学优秀青年学者培育计划的资助
【分类号】：F832.33;F224

【参考文献】