CAJ | 학술논문

选取九家银行为研究样本,使用面板数据的时间固定效应模型,本文分析了商业银行的股权结构、董事会特征、监事会特征、高管激励制度、境外战略投资者的引进,对银行盈利能力和风险控制能力的影响,认为我国商业银行的内部治理结构并不能对银行盈利能力造成显著影响,但是却能显著地影响银行的信贷风险控制能力;股权集中度较高、独立董事所占比例较高,高管激励制度较健全、境外战略投资者所持股份比例较高的银行,信贷风险控制能力较强,银行的不良贷款率较低。
선취구가은행위연구양본,사용면판수거적시간고정효응모형,본문분석료상업은행적고권결구、동사회특정、감사회특정、고관격려제도、경외전략투자자적인진,대은행영리능력화풍험공제능력적영향,인위아국상업은행적내부치리결구병불능대은행영리능력조성현저영향,단시각능현저지영향은행적신대풍험공제능력;고권집중도교고、독립동사소점비례교고,고관격려제도교건전、경외전략투자자소지고빈비례교고적은행,신대풍험공제능력교강,은행적불량대관솔교저。
This paper analyzes the influence of ownership structure,board of directors,board of supervisors,incentive mechanism and foreign strategic investors on profitability and risk control ability in business banks,based on a sample including 9 banks and time fixed effects model.It was concluded that internal government structure had a significant impact on credit risk control ability of business banks,although its impact on banks′ profitability was insignificant.Banks whose ownership concentration was high,independent directors′ proportion was high,incentive mechanism was perfect,and equity proportion hold by foreign strategic investors was high always had lower rate of non-performing loans.