CAJ | 학술논문

金融机构是"人"在运作的金融机构,因此金融机构风险归根结底由运作金融机构的"人"的风险偏好来决定. 本文研究中国上市商业银行董事长、行长和首席风险官的个人风险偏好对商业银行风险的影响,结论表明董事长风险偏好特征对银行整体风险和非系统风险影响较为显著;行长的薪酬对银行经营的风险影响较大;首席风险官风险偏好对银行非系统风险的影响较大.
금융궤구시"인"재운작적금융궤구,인차금융궤구풍험귀근결저유운작금융궤구적"인"적풍험편호래결정. 본문연구중국상시상업은행동사장、행장화수석풍험관적개인풍험편호대상업은행풍험적영향,결론표명동사장풍험편호특정대은행정체풍험화비계통풍험영향교위현저;행장적신수대은행경영적풍험영향교대;수석풍험관풍험편호대은행비계통풍험적영향교대.
Financial institutions are operated by people, so the risk of financial institutions are determined by the people's risk appetite who operate it. This paper studies whether the chairman, CEO and CRO's risk appetite impact China's on-listed commercial banks' risk. The conclusion is the chairman's risk appetite has significant impact on banks' total risk and unsystematic risk; CEO' s compensation has significant impact on banks' risk; CRO's risk appetite significantly impact banks' unsystematic risk.