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中文摘要：
文中利用我国62家城市商业银行2008-2013年的经验证据,对女性董事、风险承担与银行信贷资源配置行为间逻辑关系进行了实证研究。研究发现,城商行董事会中女性董事的参与不仅能明显降低银行的风险承担水平,而且对银行信贷资源配置起到显著的积极作用。然而,通过进一步研究发现,女性董事与控股股东性质交叉项分别与银行风险承担、信贷资源配置呈显著正、负相关关系,意味着女性董事的治理效应在地方城商行中受到国有控股现状的负面影响。由上述结论可知,女性董事的参与可以有效提升城商行董事会的治理效率,但该提升作用却受到国有控股的干扰,这对于全面认识和理解女性董事与银行风险控制、信贷资源配置间关系具有重要的启示作用。
英文摘要：
This paper offers the empirical evidence about the logical relationship between female directors, risk-taking and the resource allocation behavior by using the 62 city commercial banks in China from 2008 to 2013 . The Empirical study found that the participation of female directors in the bank board can not only significantly reduce the bank level of risk-taking,but also play a noticeable positive effect for the allocation of bank credit resources. However,The further studies have found that the cross terms with female directors and the nature of controlling shareholders have significant positive and negative correlation on risk taking and the allocation of bank credit resources. The op- posite views mean that the governance effect of female directors is affected by the negative influence of state-owned holding in local city commercial banks. From the above conclusions, the participation of female directors can effectively improve the governance efficiency of the board of directors in city commercial banks, but the promotion effect is interfered by the state-owned holding bank. For the comprehensive understanding of the relationships between female directors with the bank＇s risk control and the allocation of credit resources, it has the important enlightenment function.
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