Study On Stock Equity Structure And Risk Evolution With China’s Listed Banks

stock equity is that the proportion of stockholder who have the corresponding rights and bear some responsibility power or investors to the civil partnership and because to enterprise legal person investment and rights. The equity structure refers to the proportion of the structure of the equity allocation. Popularly say, equity structure refers to the total equity shares, different nature of the proportion of shares and their mutual relationship, except that the basic definition equity structure and the both inner attributes:one kind is the stipulation of quantity, the shares of the company that is centralized and dispersion degree; One is the inherent regularity, namely the types and demographics shareholders; According to the nature of the subject in China holdings, can be classified into state shareholdings to shareholders, legal person shares, personal holdings and foreign stocks The risk of commercial bank is because the uncertainty factors, in the commercial bank management process, cause actual income and expected returns have deviation, appear the possibility of loss and the risk of commercial bank is objective, adverse sex, uncertainty, complexity, etcAs China’s economic development and the product of financial reform, the listed bank for the introducing competition mechanism and explore the dual task commercialization reform road, and the bank risk is listed bank restricts the survival and development of the biggest obstacles, is a challenging problems and theory problem, not only has been engaged in business activities for specific concerns the bankers, but also the present economists and management experts have hot research one of the subject, in2005China’s equity division reform started later, openness of China’s banking industry has reached unprecedented levels, but our country state-owned shares listed bank ownership structure "of a single big, highly centralized equity, not current high proportion or a real problem, leading to the corporate governance problems appeared in the process, the state-owned shareholders’ representative insider absence, big shareholders plunder, a series of small and medium shareholders interests. The governance of listed bank necessary channel is optimizing stock ownership structure, in general, the more developed financial market, the bank risk the more literature.Domestic related research started in recent years, the ownership structure and the combination of bank risk less research literature, this paper will put the ownership structure and the share concentration ratio and equity attributes from two angles division. Equity attribute of a variable selection for the country proportion, legal person share proportion, social public offerings ratio; Ownership concentration of variables were the largest shareholder is the second largest shareholder holding ratio, the top five shareholdings proportion of square, top ten shareholdings proportion of square; The second big shareholders share ratio of the largest shareholder and the ratio of corporate governance of variable. At the same time the bank size selection, big shareholders attributes as control variables, the risk of assets and equity of total assets than accounted for, as the anticipation of bank risk agency variables, the bad loans as a afterwards risk assets be explained variables, were collected in1999-2011the15listed bank sample data constitute the unbalanced panel data, carry on the multiple regression, trying to through the ownership structure and the correlation of bank risk, the empirical analysis the optimizing stock ownership structure, reduce the bank risks, enhancing the bank profitability and competitive effective way, and take this puts forward policy Suggestions related to promote the bank to raise the level of management, perfect the relevant supporting measures to achieve the reform of the follow-up work.