中文摘要：

通过引入一个“银行-企业-存款人”多阶段博弈模型建立理论分析框架,阐释非利息成本节约影响银行风险承担水平的内在机理,并利用Bank Scope数据库中2003年-2015年133家国内商业银行的非平衡面板数据进行实证检验。研究发现：非利息成本与商业银行风险承担之间存在显著的正相关关系,非利息成本节约有助于降低商业银行风险承担水平;非利息成本节约降低商业银行风险承担水平的效应在不同规模银行间表现出明显的异质性,相较于小银行,资产规模较大的银行通过同等单位的非利息成本节约能降低更多的风险。因此,为了降低商业银行风险,在经营过程中要控制非利息成本,加强对非利息成本的监管。

英文摘要：

Through a ＂bank -enterprise -depositors＂ multi -stage game model, we establish a theoretical framework to explain the relationship between the bank risk- taking. Then, by using the unbalanced panel data of from year 2003 to 2015 ,we conduct an empirical test, finding non- interest cost savings and 133 domestic commercial banks that there is a significant positive correlation between non-interest costs and commercial bank risk exposure. To economize on non -interest cost can help reduce bank risk- taking. Furthermore, the correlation shows significant heterogeneity among different- size banks. Compared with small banks, large banks can reduce more risks through an equivalent unit of non- interest costs saving. Therefore, in order to reduce the risk of commercial banks, bank should control non- interest cost and strengthen the supervi- sion of non-interest cost in the course of business.