Research On The Impact Of Corporate Governance On Risk-taking Behavior Of China's Listed Banks

In recent years,the financial industry has developed across borders,and the financial activities undertaken by financial subjects have been continuously expanded and deepened worldwide.Once the bank crisis will trigger a financial crisis,and gradually evolved into a global financial crisis,not only will do great harm to banking and financial markets,and will make a huge impact on global entity economy.The us subprime crisis and the Asian financial crisis have made people realize that good internal corporate governance plays an important role in controlling the risk of listed Banks.Therefore,in today's economic and financial globalization,ensure that the listed Banks operating stability and the development of the banking industry,perfect the internal corporate governance mechanism,increase control of the risk has become a research focus of scholars both at home and abroad.It can be seen that it is of great significance to study the influence of corporate governance of China's listed Banks on bank risk taking.This paper focuses on the relationship between corporate governance of listed commercial Banks in China and the impact of bank risk-taking behaviors.Firstly,the research background and significance are introduced firstly,then the problems and development trends of relevant literatures and researches at home and abroad are described.At the same time,innovation points and shortcomings are proposed.Second,it describes the definition of corporate governance,the measurement of corporate governance and corporate governance of commercial Banks,as well as the definition of risk assumption and theoretical elaboration of commercial bank risk.Third,analyzes the present situation of our listed 1Banks risk bearing,and risk-taking behavior of listed commercial Banks in China mainly listed commercial Banks in China and the factors affecting the measurement of risk-taking behavior;Fourth,to complete the analysis of the governance structure of listed Banks and the impact mechanism of Chinese listed bank corporate governance on risk-taking behaviors;Fifth,empirical research on the impact of corporate governance on risk taking in China's listed Banks;Sixth,put forward the research conclusion and the rele'vant Suggestions to improve the management and reasonable risk of listed Banks.Through the empirical analysis,we conclude that the shareholding structure is the most important influencing factor for the risk of listed Banks in China.The mechanism of organization and balance is negatively correlated with the risk assumption of listed Banks in China.The incentive mechanism of the executi've is negatively correlated with the risk taking of listed Banks.Based on the conclusion,the author puts forward some Suggestions to improve corporate governance and reasonable risk.If the equity concentration of Banks is appropriately reduced,the shareholding ratio of the top ten shareholders will be reduced.We should reduce the size of the board of directors,enhance the professionalism of the board of directors,set up a scientific independent director selection mechanism,appropriately increase the size of the board of supervisors,and increase the proportion of external supervisors.The senior management salary of commercial Banks should be linked with risks,improve the executive compensation system of commercial Banks,adjust and improve the long-term compensation incentive mechanism.To rationally control the risks of listed Banks with reasonable corporate governance mechanism.