CAJ | 학술논문

利用我国16家上市银行2008-2012年的数据，对独立董事背景与银行绩效间的关系进行实证研究，结果表明：独立董事的教育背景对银行绩效无显著的正面影响，但具有高学历背景尤其是博士学位的独立董事能够显著改善商业银行的风险管理，降低不良贷款率；独立董事的海外经验背景对银行绩效有显著的正面影响；具有高校及科研机构、银行等金融机构、高管背景的独立董事能够显著提升银行绩效；独立董事的多重董事身份对银行绩效有负面影响，而适当延长独立董事任期则有助于银行绩效的提升；女性独立董事对银行绩效有负面影响，独立董事的年龄对银行绩效无显著影响。
이용아국16가상시은행2008-2012년적수거，대독립동사배경여은행적효간적관계진행실증연구，결과표명：독립동사적교육배경대은행적효무현저적정면영향，단구유고학력배경우기시박사학위적독립동사능구현저개선상업은행적풍험관리，강저불량대관솔；독립동사적해외경험배경대은행적효유현저적정면영향；구유고교급과연궤구、은행등금융궤구、고관배경적독립동사능구현저제승은행적효；독립동사적다중동사신빈대은행적효유부면영향，이괄당연장독립동사임기칙유조우은행적효적제승；녀성독립동사대은행적효유부면영향，독립동사적년령대은행적효무현저영향。
This paper did an empirical analysis on the impact of independent directors＇ background on bank performance based on the data of China＇s 16 listed banks from 2008 to 2012. It shows that education background of independent directors does not have any significant positive effects on bank performance, yet the highly educated independent director, especially with a PhD degree, can improve commercial bank＇s risk management and reduce non-performing loan ratio. The overseas experiences of independent directors have significant positive effects on bank performance. The independent directors who have the experiences in colleges and scientific research institutions, financial institutions or top management can improve hank performance significantly. The multiple directorships of independent directors have negative effects on bank performance, while it is helpful to improve bank performance with appropriately prolonged independent director＇ s tenure. Women independent directors have negative effects on bank performance, and the age of independent directors has no significant effects on bank performance.