發(fā)布時(shí)間：2018-04-02 22:10

  本文選題：商業(yè)銀行　切入點(diǎn)：高管　出處：《中南大學(xué)》2013年碩士論文

【摘要】：摘要：金融危機(jī)后,各國政府普遍加強(qiáng)了對銀行風(fēng)險(xiǎn)的監(jiān)管,而了解影響銀行風(fēng)險(xiǎn)承擔(dān)行為的各種因素是有效監(jiān)管的前提。中國是“關(guān)系型”社會,“關(guān)系”在中國經(jīng)濟(jì)活動中扮演很重要的角色,而對于發(fā)展尚不健全、市場化程度有待提高的銀行業(yè)而言,“關(guān)系”的影響尤為突出。很多“關(guān)系”會影響銀行風(fēng)險(xiǎn)承擔(dān)行為,而其中最重要、最能對銀行風(fēng)險(xiǎn)承擔(dān)行為產(chǎn)生影響的應(yīng)是銀行治理層和管理層與利益相關(guān)者間的關(guān)系,即銀行高管社會資本,而其中對風(fēng)險(xiǎn)承擔(dān)行為影響最大的應(yīng)是銀行高管與政府部門建立的關(guān)聯(lián)(政治關(guān)聯(lián))和與金融企業(yè)或機(jī)構(gòu)間建立的關(guān)聯(lián)。故本文從高管政治關(guān)聯(lián)和金融關(guān)聯(lián)的角度,研究銀行高管社會資本與風(fēng)險(xiǎn)承擔(dān)行為間的關(guān)系,為相關(guān)領(lǐng)域研究提供新的視角和實(shí)證證據(jù),為監(jiān)管者制定政策提供依據(jù)。本文包含圖1幅,表25個,參考文獻(xiàn)107篇。 本文首先評述已有文獻(xiàn),界定社會資本和銀行風(fēng)險(xiǎn)承擔(dān)行為的概念,并確定了度量高管社會資本和銀行風(fēng)險(xiǎn)承擔(dān)行為的指標(biāo)體系。然后,以我國32家商業(yè)銀行2007年到2012年的數(shù)據(jù),實(shí)證研究高管政治關(guān)聯(lián)與銀行風(fēng)險(xiǎn)承擔(dān)行為間的關(guān)系,考慮上市與否對這一“關(guān)系”的影響,以及對比不同類型“高管”的政治關(guān)聯(lián)在影響銀行風(fēng)險(xiǎn)承擔(dān)行為上的不同表現(xiàn)。接下來,研究高管金融關(guān)聯(lián)與銀行風(fēng)險(xiǎn)承擔(dān)行為間的關(guān)系,在上一部分的基礎(chǔ)上,考查政治關(guān)聯(lián)對這一“關(guān)系”的影響,并比較了政治關(guān)聯(lián)和金融關(guān)聯(lián)在影響銀行風(fēng)險(xiǎn)承擔(dān)行為上的不同作用。最后,總結(jié)本文的研究,為政府(尤其是銀行業(yè)主管部門)監(jiān)管銀行風(fēng)險(xiǎn)提出了政策和建議。本研究在研究視角、研究內(nèi)容和指標(biāo)設(shè)計(jì)等方面有一定的創(chuàng)新性,能為理論界提供非常好的研究參考,和為實(shí)務(wù)界尤其是銀行業(yè)監(jiān)管部門控制銀行風(fēng)險(xiǎn)提供良好的借鑒。
[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.
【學(xué)位授予單位】：中南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.33

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