中文摘要：

本文基于32家商业银行2007～2011年的数据，从银行高管非金融业从业经历的角度研究银行的风险承担行为。研究表明，银行高管非金融业从业经历对风险承担行为具有抑制作用，而且银行高管在非金融业中担任高管的经历会增强这种抑制作用。此外，上市与否、持股高管比例、董事会独立性和银行性质，对银行高管非金融从业经历与风险承担行为间的关系有显著影响。政府部门在对银行业进行监管时，不应仅考虑银行规模、性质等因素，还应进一步考察银行高管的非金融业从业经历，利用银行高管的非金融业从业经历达到风险监管的目的。

英文摘要：

Based on the data of 32 commercial banks during 2007-2011, this paper researches the risk-taking behavior of the banks from the perspective of the non-financial experience of bank executives. The results show that the non-financial experi- ence of bank executives has inhibitory effects on risk-taking behavior, and their executive experience in non-financial enter- prises enhances the inhibitory effects. In addition, stock-being-listed, the ratio of the shares held by executives, the indepen- dence of the board of directors and the properties of the bank have significant influence on the relationship between the non-fi- nancial experience and the risk-taking behavior. When the government supervises banks, it should not only consider the faetors such as sizes and properties of the banks, but also investigate the non-financial experienee of bank executives, and utilizes the experience to supervise risks.