The Research On China's Listed Banks Franchise Value And Risk Behavior

History of the development of the banking is full of crisis and its closely related high-risk behaviors. The thesis study that how to conduct the risk of bank inhibition in the context of globalization. The study found that bank franchise value and bank the size of the risk of motivation is closely related to franchise value of banks tend to reduce the increased risk with the banks and the banking crisis broke out, there was some contact.Bank franchise value is to be protected from the market, reputation, economies of scale and high-quality financial market expectations of access to information in the present value of future profits, is an intangible asset, with the disappearance of the closure of banks. The source of franchise value and impact factors are related to the banking market and the bank itself of these two aspects. Theoretically, the financial constraints of developing countries to implement policies for the bank to create the "rent" a bank franchise value, and the existence of franchise value for banks to establish an incentive mechanism, that is, banks in order to maintain its franchise value , the payment of loans and loan portfolio risk management, in order to direct as much as possible to ensure that operators do not take illegal business practices and conduct short-term risk of moral hazard. Is the franchise value of banks operating in the process of playing a role in the risk of self-discipline device. The franchise value of banks is whether the risk of significant inhibition, this article listed five of our franchise value of banks and risk behavior, an empirical test, come to the bank franchise value of their risk behavior does have significantly inhibited, but also that there is a negative correlation between the two relations. And how to improve the franchise value of banks in order to check their risk behaviors, this article should be initiated in two major areas: on the one hand, the financial supervisory authority for banks to create a certain franchise value of the market environment, including the implementation of progressive open-door policy to strengthen the effective supervision of banks and the establishment of the risk of early-warning mechanism; on the other hand, banks to enhance their own to enhance the competitiveness of franchise value, including improving the corporate governance structure and establish a strict internal control system and enhance financial innovation.