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本文用我国上市银行数据研究了银行股权结构与风险承受之间的关系,研究发现:①股权集中度越高,银行总体风险承受水平越高;同时,股权集中度对银行特有风险和资产风险具有显著的正向影响;进一步研究发现这种关系在中小规模银行及非国有银行中更为明显。②管理层持股比例越高,银行的总体风险承受水平越高;同时,管理层持股比例对银行特有风险具有显著的正向影响,对银行资产风险具有显著的负向影响;进一步研究发现这种关系在小规模银行及非国有银行中更为明显。
This paper uses the data of China’s listed banks to study the relationship between bank ownership structure and risk appetite. The findings are as follows: (1) The higher the ownership concentration, the higher the overall risk tolerance of the bank. At the same time, the ownership concentration has a significant impact on the bank-specific risk and asset risk Significant positive impact; further study found that this relationship is more obvious in small and medium-sized banks and non-state banks. (2) The higher the management shareholding ratio, the higher the overall risk tolerance of the bank; at the same time, the management shareholding proportion has a significant positive impact on the bank-specific risk and a significant negative impact on the bank asset risk; further study finds This relationship is more evident in small-scale banks and non-state banks.