股权结构、治理机制与城市银行绩效——来自山东、河南两省的调查证据

银行体系的重要地位和银行危机的频繁发生显示了加强银行公司治理的重要性 ,在我国银行体制改革的背景下 ,研究商业银行公司治理问题具有重要的现实意义。本文利用山东、河南两省 2 8家城市银行的调查样本对我国地方商业银行的股权结构、治理机制及其效果进行了实证分析。结果发现 ,虽然我国地方性银行国有和集中的股权结构特征明显 ,但大股东的国有性质并没有对银行绩效产生影响 ,同时集中型股权结构对银行绩效有明显的积极影响。银行高管人员薪酬有较明显的负激励效果。此外我们还发现 ,外部董事比例和银行规模基本没有对银行绩效产生影响 ,而且山东、河南两省城市银行在公司治理方面也不存在省际间的显著差异。

Ownership Structure, Governance Mechanism and Performance of Urban Banks: Evidence from Shandong and He'nan

The role of bank system and frequent occurrence of bank crisis indicate the importance of enhancing bank corporate governance, therefore it is of great practical for us to study on corporate governance of commercial bank under the background of our bank system reform. This paper examines ownership structure, governance mechanism and performance of our local joint-stock banks by analyzing 28 samples of urban banks in Shandong and Henan Province. It is found that our local banks are mostly state-owned and concentrated, but dominant shareholder's state-owned nature had no influence on bank performance, while concentrated ownership had clear effect. And their pay of superior managers had distinct negative incentives. We also find that both the ratio of outside directors and bank size had little effect on bank performance, additionally, corporate governance of bank had no difference between the two provinces.