【作者】 邹飞；

【导师】 周艳菊； 王宗润；

【作者基本信息】 中南大学 ， 工商管理， 2013， 硕士

【摘要】 摘要：金融危机后,各国政府普遍加强了对银行风险的监管,而了解影响银行风险承担行为的各种因素是有效监管的前提。中国是“关系型”社会,“关系”在中国经济活动中扮演很重要的角色,而对于发展尚不健全、市场化程度有待提高的银行业而言,“关系”的影响尤为突出。很多“关系”会影响银行风险承担行为,而其中最重要、最能对银行风险承担行为产生影响的应是银行治理层和管理层与利益相关者间的关系,即银行高管社会资本,而其中对风险承担行为影响最大的应是银行高管与政府部门建立的关联(政治关联)和与金融企业或机构间建立的关联。故本文从高管政治关联和金融关联的角度,研究银行高管社会资本与风险承担行为间的关系,为相关领域研究提供新的视角和实证证据,为监管者制定政策提供依据。本文包含图1幅,表25个,参考文献107篇。本文首先评述已有文献,界定社会资本和银行风险承担行为的概念,并确定了度量高管社会资本和银行风险承担行为的指标体系。然后,以我国32家商业银行2007年到2012年的数据,实证研究高管政治关联与银行风险承担行为间的关系,考虑上市与否对这一“关系”的影响,以及对比不同类型“高管”的政治关联在影响银行风险承担行为上的不同表现。接下来,研究高管金融关联与银行风险承担行为间的关系,在上一部分的基础上,考查政治关联对这一“关系”的影响,并比较了政治关联和金融关联在影响银行风险承担行为上的不同作用。最后,总结本文的研究,为政府(尤其是银行业主管部门)监管银行风险提出了政策和建议。本研究在研究视角、研究内容和指标设计等方面有一定的创新性,能为理论界提供非常好的研究参考,和为实务界尤其是银行业监管部门控制银行风险提供良好的借鉴。更多还原

【Abstract】 Abstract:After the financial crisis, governments in many countries have strengthened the supervision of the banking risk.While, if we want to improve the effective of bank’s risk supervision, we must enhance the understanding of various factors affecting bank risk taking behavior firstly. China is a "relational" society,"guanxi" plays an important role in China’s economic activities.For the banking sector,it’s development is not sound, and it’s marketization level is not high,therefore, the influence of the "guanxi" is more obvious. Many types of "guanxi" will affect bank risk-taking behavior, but the most important factors whch can impact bank risk-taking behavior should be the guanxi between bank executives and bank’s stakeholders, namely the social capital of the bank executives. Bank executives have many kinds of social capital, but what have the greatest influence on bank risk-taking behavior should be the guanxi between bank executives and government departments(political connections) and the guanxi between bank executives and financial corporate or departments(financial connections). Thus, from the perspective of political connections and financial connections, this paper studies the relationships between bank executives’social capital and bank risk-taking behavior.This paper provides a new view for the related research fields, provides new empirical evidence.besides,it provides the basis for regulators to set risk control policies.This paper includes one figure,25tables and107references.In this paper, I firstly comb and review the literatures about the factors influencing bank risk-taking behavior, and define the important concepts in the paper, such as social capital and bank risk-taking behavior.Meanwhile, I build an indicator system to measure the executives’social capital and bank risk-taking behavior.Secondly,I use the data of32commercial Banks in China from2007to2012for empirical research.First of all,I study the relationships between political connections and bank risk-taking behavior.Then,I consider whether list or not list can influence the "relationships". Besides, I compare the different impact of different types of executives’political connections on bank risk-taking behavior. Thirdly, I use the data of32commercial Banks in China from2007to2012to study the relationships between executives’ financial connections and bank risk-taking behavior. On the basis of empirical research metioned above, I examine the influence of political connection on the relationships between executives’financial connections and bank risk-taking behavior. Besides, I compare the different effects of political connection and financial connection on bank risk-taking behavior. Finally, I summariz the research of this paper, from the perspective of the government, particularly for banking regulatory departments, I put forward some policy Suggestions. This study have significant innovations in many dimensions, such as the perspectives, research content and index design and so on.it can offer very good research reference for the theoretical circle, and for the practice, especially for the banking regulators,it provides a good reference to control the bank risks.更多还原