商业银行股权结构对其贷款行为影响的研究.docVIP

PAGE PAGE 23 商业银行股权结构对其贷款行为影响的研究 摘要：国家金融体制改革和变迁中蕴含了商业银行的创立与成长，商业银行在促进了地方经济的发展，缓解了中小型企业在融资等方面上的困境。商业银行的信贷资产配置的行为不仅对自身有影响，更对存款人的利益保护以及金融系统性的风险防范上产生着巨大的作用。有很多的因素影响着商业银行的信贷资产配置行为，尤其作为商业银行治理的产权基础，即股权机构，对商业银行信贷的行为上产生着巨大的影响。商业银行因其独有的历史背景，拥有最多股份的往往是地方财政局抑或地方政府类融资平台，这一股权结构类型让一些地方政府对商业银行信贷资产配置的行为的影响非常的明显。所以，本文从治理机制的角度上出发，就商业银行股权结构上影响商业银行信贷行为及信贷风险，不同类型的股权结构对银行信贷风险产生的不同机制，描述国家商业银行股权结构发展的进程以及现状，运用上市的商业银行的各类数据对股份结构与银行贷款及风险之间的关系进行一系列实证，以期为国家上市的商业银行风险控制做出有价值的建议。 关键词：商业银行、信贷风险、股权结构 Affect?the ownership structure of commercial bank lending behavior Abstract: The establishment and development of commercial banks is amicrocosm of the countrys financial system reform and change, economic development and mitigation in support of local small and medium enterprises in the financial predicament has played a significant role. Credit asset allocation behavior of commercial banks not only for their own impact, but for the protection of the interests of depositors and financial systemic risk prevention has a great relationship. Credit asset allocation behavior of commercial banks because of the impact a variety of factors, including the ownership structure of commercial banks as a basis for property management, has a profound effect on the credit behavior. Wins, because banks have a special historical background, its largest shareholder is often the local finance bureau or local government financing platform, this feature allows some local governments impact on commercial bank credit asset allocation behavior very obvious. Therefore, this article from the perspective of governance mechanisms on departure, on different mechanisms affect the ownership structure of commercial banks on credit assets customer configurations behavior of different types of ownership structure of bank credit risk arising describes the process and the status of the development of the National Commercial Bank shares, in the use of commercial banks listed on the stock structure data of the credit risk mechanism certai