股权结构与中国商业银行创新能力——基于上市银行的实证研究

摘要

Ownership concentration and check-and-balance are important factors affecting innovation ability of commercial banks.Aiming at the problem of the innovation ability of Chinese commercial banks, In this paper, we use 16 listed banks in China from 2002-2013 as research samples, and by using ordinary least square method, the results shows that there are significant negative correlation between China's listed banks innovation capacity and the largest shareholder ratio、the ratio of the top three shareholders.The check-and-balance of largest and thirst shareholders has a positive impact on the innovation capacity of commercial banks, but not significantly.When improving the innovation ability of commercial banks, it is necessary to take ownership concentration and check-and-balance into account.%针对中国商业银行创新能力问题,选取中国2002~2013年16家上市银行作为研究对象,采用普通最小二乘法实证研究了股权结构对我国商业银行创新能力的影响.中国上市银行创新能力与第一大股东持股比、前三大股东持股比例均呈显著负相关.而第一、三股东制衡对商业银行创新能力具有正面的影响,但不显著.研究结果表明,实践中提高商业银行创新能力时,有必要考虑股权结构.