【作者】 杨梦；

【导师】 赵静； 刘江军；

【作者基本信息】 湖南大学 ， 金融硕士（专业学位）， 2022， 硕士

【摘要】 近年来,我国银行经营发展的内外环境由于大数据、人工智能、云计算等新技术的快速发展而发生了深刻变化,在这期间数据所能够发挥的作用和价值愈发重要,与此同时,监管层也在不断加强对商业银行数据治理的指导和约束。所以,我国银行业积极推动数据治理进程,并充分发挥其优势,既是迎合国家政策,也是在顺应时代发展变化。数据治理的发展会通过优化经营质效、赋能金融科技、完善公司治理和提高信息披露质量等途径对银行风险承担产生影响。基于此,本文基于2008年-2020年我国151家商业银行数据,利用python进行文本分析,然后采用因子分析法构建起我国商业银行的数据治理发展指数,用于检验数据治理对银行风险承担的影响效果。结果表明:第一,商业银行推进数据治理的发展有利于降低其自身的风险承担。第二,数据治理对不同规模商业银行的风险承担的影响具有异质性,在推进数据治理发展过程中大银行风险承担提升,而中小银行的风险承担不同于大银行最终呈现的是降低作用。第三,数据治理对不同性质商业银行的风险承担的影响也具有差异性。在数据治理影响下,股份制商业银行风险承担降低,而国有行和城商行风险承担增加,并且城商行相对于国有银行而言其风险承担提升幅度更大。本文的研究对于当前数字化转型趋势下我国银行业数据治理发展与监管层对金融业的进一步指引与监督具有重要的理论意义和现实意义,有利于引导不同类别银行因“材”制宜重视数据治理工作的推进,最大程度发挥数据治理对银行风险承担的降低作用,助力国家高质量发展。更多还原

【Abstract】 In recent years,our country banking business development of internal and external environment due to the large data,artificial intelligence,the rapid development of new technologies such as cloud computing and profound changes have taken place,during which data can play a role and value more and more important,at the same time,regulators are to strengthen the guidance and constraint of data governance of commercial bank.Therefore,China’s banking industry actively promotes the process of data governance and gives full play to its advantages,which is not only to respond to the needs of relevant national policies,but also to meet the necessary needs of China’s banking industry to comprehensively transform to high-quality development.The development of data governance will influence bank risk-taking through optimizing operation quality and efficiency,empowering fintech,improving corporate governance and improving the quality of information disclosure.Based on this,this paper uses the data of 151 Chinese commercial banks from 2008 to 2020,adopts Python crawler technology and text analysis method to construct the data governance development index of banks,and empirically analyzes the impact of data governance on bank risk taking.The results show that: first,commercial banks promote the development of data governance is conducive to reduce their own risk taking.Second,the impact of data governance on the risk taking of commercial banks of different sizes is heterogeneous.In the process of promoting the development of data governance,the risk taking of large and medium-sized banks increases,while the risk taking of small and medium-sized banks is different from that of large banks.Third,data governance has different impacts on the risk-taking of commercial banks of different natures.Under the influence of data governance,joint-stock commercial banks reduce risk taking,while state-owned banks and urban commercial banks increase risk taking,and urban commercial banks have a greater increase in risk taking than state-owned banks.In this paper,under the research for the trend of the current digital transformation of data governance in China’s banking industry development and the regulator of further guidance and supervision of the financial sector has important theoretical significance and practical significance,is helpful to guide bank of different categories for own characteristic according to focusing on data governance,maximize play data governance role in reducing risk to a bank,We will help promote high-quality national development.更多还原